Home > Austin County State Bank > Performance and Condition Ratios
Austin County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0236% | 615 |
| Cost of funding earning assets | 1.6084% | 1,668 |
| Net interest margin | 4.4152% | 694 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5978% | 2,011 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.6394% | 810 |
| Return on assets (ROA) | 1.6311% | 792 |
| Pretax return on assets | 1.6311% | 1,180 |
| Return on Equity (ROE) | 17.1900% | 926 |
| Retained earnings to average equity (ytd only) | 15.5240% | 292 |
| Net charge-offs to loans | 0.1615% | 648 |
| Credit loss provision to net charge-offs | 235.7456% | 1,115 |
| Earnings coverage of net charge-offs (x) | 14.8640% | 2,066 |
| Efficiency ratio | 57.1420% | 3,382 |
| Assets per employee ($millions) | 7.1881% | 1,946 |
| Cash dividends to net income (ytd only)* | 9.6933% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 496 |
| Loan loss allowance to noncurrent loans | 1,702.9316% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 2,936 |
| Noncurrent loans to loans | 0.1082% | 2,996 |
| Net loans and leases to total assets | 80.7100% | 561 |
| Net loans and leases to deposits | 91.3890% | 1,150 |
| Net loans and leases to core deposits | 114.2517% | 807 |
| Total domestic deposits to total assets | 88.3200% | 1,249 |
| Equity capital to assets | 10.5730% | 1,697 |
| Core capital (leverage) ratio | 10.7265% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $347,873,600 | 2,201 |
| Average earning assets | $328,342,800 | 2,185 |
| Average equity | $33,007,000 | 2,144 |
| Average total loans | $282,271,800 | 1,862 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 646 |
| Cost of funding earning assets | 1.5205% | 1,552 |
| Net interest margin | 4.3256% | 780 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.5493% | 2,086 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 1.6191% | 909 |
| Return on assets (ROA) | 1.6107% | 914 |
| Pretax return on assets | 1.6107% | 1,332 |
| Return on Equity (ROE) | 17.4700% | 1,013 |
| Retained earnings to average equity (ytd only) | 15.1879% | 534 |
| Net charge-offs to loans | 0.0463% | 1,224 |
| Credit loss provision to net charge-offs | 790.8163% | 469 |
| Earnings coverage of net charge-offs (x) | 51.1020% | 1,302 |
| Efficiency ratio | 57.0976% | 3,303 |
| Assets per employee ($millions) | 7.5140% | 1,620 |
| Cash dividends to net income (ytd only)* | 13.0610% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 545 |
| Loan loss allowance to noncurrent loans | 645.4212% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,122 |
| Noncurrent loans to loans | 0.2824% | 2,228 |
| Net loans and leases to total assets | 78.9400% | 766 |
| Net loans and leases to deposits | 88.4698% | 1,344 |
| Net loans and leases to core deposits | 108.1160% | 936 |
| Total domestic deposits to total assets | 89.2300% | 1,180 |
| Equity capital to assets | 9.4532% | 2,127 |
| Core capital (leverage) ratio | 10.1588% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $348,584,250 | 2,208 |
| Average earning assets | $329,011,000 | 2,186 |
| Average equity | $32,138,750 | 2,164 |
| Average total loans | $281,913,750 | 1,866 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6450% | 695 |
| Cost of funding earning assets | 1.4109% | 1,418 |
| Net interest margin | 4.2341% | 881 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.5616% | 2,031 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.5469% | 1,024 |
| Return on assets (ROA) | 1.5463% | 1,020 |
| Pretax return on assets | 1.5463% | 1,505 |
| Return on Equity (ROE) | 16.9200% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.4279% | 753 |
| Net charge-offs to loans | 0.0673% | 882 |
| Credit loss provision to net charge-offs | 505.3191% | 644 |
| Earnings coverage of net charge-offs (x) | 33.4043% | 1,499 |
| Efficiency ratio | 58.4271% | 3,144 |
| Assets per employee ($millions) | 7.3986% | 1,666 |
| Cash dividends to net income (ytd only)* | 20.6456% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 702 |
| Loan loss allowance to noncurrent loans | 510.7472% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 1,827 |
| Noncurrent loans to loans | 0.3381% | 1,918 |
| Net loans and leases to total assets | 79.9700% | 627 |
| Net loans and leases to deposits | 90.5350% | 1,142 |
| Net loans and leases to core deposits | 110.9913% | 785 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 9.2866% | 2,323 |
| Core capital (leverage) ratio | 9.9791% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5761% | 1,707 |
| Memoranda: | ||
| Average total assets | $344,555,000 | 2,223 |
| Average earning assets | $324,887,667 | 2,206 |
| Average equity | $31,486,667 | 2,201 |
| Average total loans | $279,217,333 | 1,869 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 621 |
| Cost of funding earning assets | 1.3099% | 1,208 |
| Net interest margin | 4.1971% | 950 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5337% | 2,153 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.5339% | 1,109 |
| Return on assets (ROA) | 1.5257% | 1,106 |
| Pretax return on assets | 1.5257% | 1,611 |
| Return on Equity (ROE) | 16.8400% | 1,205 |
| Retained earnings to average equity (ytd only) | 9.6812% | 1,775 |
| Net charge-offs to loans | 0.0525% | 837 |
| Credit loss provision to net charge-offs | 625.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 42.3889% | 1,167 |
| Efficiency ratio | 58.4762% | 3,133 |
| Assets per employee ($millions) | 7.1555% | 1,850 |
| Cash dividends to net income (ytd only)* | 42.5039% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 744 |
| Loan loss allowance to noncurrent loans | 333.5883% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 1,230 |
| Noncurrent loans to loans | 0.5202% | 1,419 |
| Net loans and leases to total assets | 79.0900% | 628 |
| Net loans and leases to deposits | 88.9140% | 1,142 |
| Net loans and leases to core deposits | 106.0739% | 833 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 8.9485% | 2,555 |
| Core capital (leverage) ratio | 9.8084% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4398% | 1,811 |
| Memoranda: | ||
| Average total assets | $339,265,000 | 2,276 |
| Average earning assets | $320,033,500 | 2,254 |
| Average equity | $30,740,000 | 2,261 |
| Average total loans | $274,326,000 | 1,909 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 375 |
| Cost of funding earning assets | 0.5013% | 1,383 |
| Net interest margin | 4.3753% | 363 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5762% | 1,889 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.6865% | 550 |
| Return on assets (ROA) | 1.6812% | 530 |
| Pretax return on assets | 1.6899% | 945 |
| Return on Equity (ROE) | 18.9000% | 586 |
| Retained earnings to average equity (ytd only) | 18.4008% | 124 |
| Net charge-offs to loans | 0.1312% | 604 |
| Credit loss provision to net charge-offs | 217.3913% | 1,067 |
| Earnings coverage of net charge-offs (x) | 19.2143% | 1,917 |
| Efficiency ratio | 57.4074% | 3,416 |
| Assets per employee ($millions) | 6.8381% | 2,091 |
| Cash dividends to net income (ytd only)* | 2.6461% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 812 |
| Loan loss allowance to noncurrent loans | 346.4662% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,289 |
| Noncurrent loans to loans | 0.4886% | 1,480 |
| Net loans and leases to total assets | 79.8700% | 608 |
| Net loans and leases to deposits | 90.5665% | 1,008 |
| Net loans and leases to core deposits | 106.5945% | 726 |
| Total domestic deposits to total assets | 88.1900% | 2,013 |
| Equity capital to assets | 9.1758% | 2,243 |
| Core capital (leverage) ratio | 9.8621% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2637% | 1,869 |
| Memoranda: | ||
| Average total assets | $323,689,600 | 2,332 |
| Average earning assets | $304,618,200 | 2,314 |
| Average equity | $28,792,200 | 2,392 |
| Average total loans | $245,447,400 | 1,970 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 327 |
| Cost of funding earning assets | 0.3905% | 1,360 |
| Net interest margin | 4.3477% | 307 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.5569% | 1,836 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.6751% | 565 |
| Return on assets (ROA) | 1.6614% | 563 |
| Pretax return on assets | 1.6730% | 955 |
| Return on Equity (ROE) | 18.8300% | 539 |
| Retained earnings to average equity (ytd only) | 18.8331% | 136 |
| Net charge-offs to loans | 0.0251% | 1,319 |
| Credit loss provision to net charge-offs | 1,222.2222% | 358 |
| Earnings coverage of net charge-offs (x) | 102.4222% | 939 |
| Efficiency ratio | 57.1734% | 3,491 |
| Assets per employee ($millions) | 6.7113% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 653 |
| Loan loss allowance to noncurrent loans | 681.2950% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,193 |
| Noncurrent loans to loans | 0.2726% | 2,282 |
| Net loans and leases to total assets | 76.0700% | 908 |
| Net loans and leases to deposits | 84.8579% | 1,243 |
| Net loans and leases to core deposits | 99.9824% | 814 |
| Total domestic deposits to total assets | 89.6500% | 1,812 |
| Equity capital to assets | 8.9106% | 2,273 |
| Core capital (leverage) ratio | 9.4616% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4042% | 1,901 |
| Memoranda: | ||
| Average total assets | $320,845,500 | 2,364 |
| Average earning assets | $301,820,000 | 2,348 |
| Average equity | $28,304,000 | 2,447 |
| Average total loans | $238,754,000 | 2,002 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 311 |
| Cost of funding earning assets | 0.3543% | 1,226 |
| Net interest margin | 4.2434% | 305 |
| Noninterest income to average assets | 0.3696% | 2,930 |
| Noninterest expense to average assets | 2.5018% | 1,922 |
| Loan and lease loss provision to assets | 0.2514% | 284 |
| Net operating income to assets | 1.5991% | 546 |
| Return on assets (ROA) | 1.5784% | 566 |
| Pretax return on assets | 1.5928% | 957 |
| Return on Equity (ROE) | 17.9543% | 479 |
| Retained earnings to average equity (ytd only) | 17.9543% | 117 |
| Net charge-offs to loans | 0.0111% | 1,569 |
| Credit loss provision to net charge-offs | 3,076.9231% | 168 |
| Earnings coverage of net charge-offs (x) | 228.2308% | 500 |
| Efficiency ratio | 57.2909% | 3,644 |
| Assets per employee ($millions) | 6.6633% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 656 |
| Loan loss allowance to noncurrent loans | 718.0404% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 2,351 |
| Noncurrent loans to loans | 0.2652% | 2,418 |
| Net loans and leases to total assets | 72.8452% | 1,024 |
| Net loans and leases to deposits | 81.0011% | 1,316 |
| Net loans and leases to core deposits | 95.6599% | 843 |
| Total domestic deposits to total assets | 89.9311% | 1,739 |
| Equity capital to assets | 8.6747% | 2,632 |
| Core capital (leverage) ratio | 9.2463% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8598% | 2,117 |
| Memoranda: | ||
| Average total assets | $318,175,333 | 2,393 |
| Average earning assets | $299,710,000 | 2,385 |
| Average equity | $27,971,000 | 2,530 |
| Average total loans | $233,369,333 | 2,031 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 282 |
| Cost of funding earning assets | 0.3487% | 1,214 |
| Net interest margin | 4.2085% | 282 |
| Noninterest income to average assets | 0.3427% | 3,043 |
| Noninterest expense to average assets | 2.4623% | 1,981 |
| Loan and lease loss provision to assets | 0.3185% | 186 |
| Net operating income to assets | 1.5362% | 585 |
| Return on assets (ROA) | 1.5031% | 622 |
| Pretax return on assets | 1.5108% | 998 |
| Return on Equity (ROE) | 16.9815% | 426 |
| Retained earnings to average equity (ytd only) | 16.9815% | 180 |
| Net charge-offs to loans | 0.0367% | 927 |
| Credit loss provision to net charge-offs | 1,190.4762% | 304 |
| Earnings coverage of net charge-offs (x) | 69.6190% | 797 |
| Efficiency ratio | 56.9367% | 3,793 |
| Assets per employee ($millions) | 7.1149% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 716 |
| Loan loss allowance to noncurrent loans | 638.8252% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,337 |
| Noncurrent loans to loans | 0.3002% | 2,390 |
| Net loans and leases to total assets | 71.2399% | 902 |
| Net loans and leases to deposits | 79.2071% | 1,201 |
| Net loans and leases to core deposits | 91.7257% | 827 |
| Total domestic deposits to total assets | 89.9412% | 1,599 |
| Equity capital to assets | 8.7095% | 2,965 |
| Core capital (leverage) ratio | 9.0774% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9564% | 2,229 |
| Memoranda: | ||
| Average total assets | $314,012,000 | 2,425 |
| Average earning assets | $297,111,000 | 2,406 |
| Average equity | $27,795,000 | 2,616 |
| Average total loans | $228,825,000 | 2,051 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 210 |
| Cost of funding earning assets | 0.4385% | 1,268 |
| Net interest margin | 4.7087% | 204 |
| Noninterest income to average assets | 0.3222% | 3,480 |
| Noninterest expense to average assets | 2.7356% | 1,526 |
| Loan and lease loss provision to assets | 0.4226% | 152 |
| Net operating income to assets | 1.5694% | 877 |
| Return on assets (ROA) | 1.5439% | 963 |
| Pretax return on assets | 1.5557% | 1,555 |
| Return on Equity (ROE) | 16.8674% | 611 |
| Retained earnings to average equity (ytd only) | 16.8674% | 130 |
| Net charge-offs to loans | 0.0498% | 1,317 |
| Credit loss provision to net charge-offs | 1,108.4906% | 494 |
| Earnings coverage of net charge-offs (x) | 52.5660% | 1,271 |
| Efficiency ratio | 57.7206% | 3,486 |
| Assets per employee ($millions) | 6.8412% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 755 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,412 |
| Noncurrent loans to loans | 0.3132% | 2,467 |
| Net loans and leases to total assets | 71.7458% | 860 |
| Net loans and leases to deposits | 80.5750% | 1,165 |
| Net loans and leases to core deposits | 95.8222% | 699 |
| Total domestic deposits to total assets | 89.0422% | 1,492 |
| Equity capital to assets | 8.9994% | 3,617 |
| Core capital (leverage) ratio | 9.2082% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5830% | 2,422 |
| Memoranda: | ||
| Average total assets | $278,069,600 | 2,558 |
| Average earning assets | $260,860,000 | 2,546 |
| Average equity | $25,451,400 | 2,817 |
| Average total loans | $212,792,200 | 2,151 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 233 |
| Cost of funding earning assets | 0.4686% | 1,227 |
| Net interest margin | 4.6976% | 227 |
| Noninterest income to average assets | 0.3345% | 3,431 |
| Noninterest expense to average assets | 2.7265% | 1,522 |
| Loan and lease loss provision to assets | 0.5099% | 105 |
| Net operating income to assets | 1.4830% | 1,312 |
| Return on assets (ROA) | 1.4608% | 1,417 |
| Pretax return on assets | 1.4716% | 2,074 |
| Return on Equity (ROE) | 15.8841% | 972 |
| Retained earnings to average equity (ytd only) | 15.8841% | 310 |
| Net charge-offs to loans | -0.0076% | 3,574 |
| Credit loss provision to net charge-offs | -8,625.0000% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6398% | 3,329 |
| Assets per employee ($millions) | 6.0457% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 650 |
| Loan loss allowance to noncurrent loans | 259.3346% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 1,310 |
| Noncurrent loans to loans | 0.7665% | 1,474 |
| Net loans and leases to total assets | 74.6201% | 643 |
| Net loans and leases to deposits | 84.7283% | 914 |
| Net loans and leases to core deposits | 101.6986% | 533 |
| Total domestic deposits to total assets | 88.0698% | 1,801 |
| Equity capital to assets | 9.4821% | 3,390 |
| Core capital (leverage) ratio | 9.2604% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7818% | 2,438 |
| Memoranda: | ||
| Average total assets | $270,623,250 | 2,618 |
| Average earning assets | $253,230,750 | 2,624 |
| Average equity | $24,888,000 | 2,895 |
| Average total loans | $209,714,500 | 2,204 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 280 |
| Cost of funding earning assets | 0.5031% | 1,180 |
| Net interest margin | 4.6402% | 295 |
| Noninterest income to average assets | 0.4199% | 3,003 |
| Noninterest expense to average assets | 2.7270% | 1,520 |
| Loan and lease loss provision to assets | 0.5147% | 102 |
| Net operating income to assets | 1.5030% | 1,278 |
| Return on assets (ROA) | 1.4739% | 1,424 |
| Pretax return on assets | 1.4903% | 2,046 |
| Return on Equity (ROE) | 16.2007% | 915 |
| Retained earnings to average equity (ytd only) | 16.2007% | 321 |
| Net charge-offs to loans | -0.0230% | 4,044 |
| Credit loss provision to net charge-offs | -2,875.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4625% | 3,483 |
| Assets per employee ($millions) | 6.0335% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 822 |
| Loan loss allowance to noncurrent loans | 621.1538% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,804 |
| Noncurrent loans to loans | 0.2968% | 2,865 |
| Net loans and leases to total assets | 74.3668% | 718 |
| Net loans and leases to deposits | 84.1225% | 1,058 |
| Net loans and leases to core deposits | 102.2897% | 586 |
| Total domestic deposits to total assets | 88.4031% | 1,617 |
| Equity capital to assets | 9.1847% | 3,619 |
| Core capital (leverage) ratio | 9.0107% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3359% | 2,600 |
| Memoranda: | ||
| Average total assets | $268,130,333 | 2,628 |
| Average earning assets | $250,850,333 | 2,627 |
| Average equity | $24,394,000 | 2,914 |
| Average total loans | $209,043,000 | 2,214 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 298 |
| Cost of funding earning assets | 0.5658% | 1,021 |
| Net interest margin | 4.5722% | 323 |
| Noninterest income to average assets | 0.3872% | 3,167 |
| Noninterest expense to average assets | 2.7059% | 1,609 |
| Loan and lease loss provision to assets | 0.5239% | 121 |
| Net operating income to assets | 1.4152% | 1,533 |
| Return on assets (ROA) | 1.3256% | 1,830 |
| Pretax return on assets | 1.3378% | 2,466 |
| Return on Equity (ROE) | 14.6443% | 1,289 |
| Retained earnings to average equity (ytd only) | 14.6443% | 666 |
| Net charge-offs to loans | 0.0230% | 1,283 |
| Credit loss provision to net charge-offs | 2,875.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 107.0833% | 594 |
| Efficiency ratio | 58.1024% | 3,283 |
| Assets per employee ($millions) | 6.1054% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,199 |
| Loan loss allowance to noncurrent loans | 608.7108% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 3,085 |
| Noncurrent loans to loans | 0.2689% | 3,146 |
| Net loans and leases to total assets | 78.1549% | 458 |
| Net loans and leases to deposits | 88.2041% | 811 |
| Net loans and leases to core deposits | 113.4654% | 336 |
| Total domestic deposits to total assets | 88.6069% | 1,556 |
| Equity capital to assets | 9.0144% | 3,665 |
| Core capital (leverage) ratio | 8.8792% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8069% | 2,371 |
| Memoranda: | ||
| Average total assets | $263,426,000 | 2,641 |
| Average earning assets | $246,006,500 | 2,638 |
| Average equity | $23,845,500 | 2,940 |
| Average total loans | $208,428,000 | 2,224 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 221 |
| Cost of funding earning assets | 0.8231% | 1,116 |
| Net interest margin | 4.5786% | 276 |
| Noninterest income to average assets | 0.3148% | 3,584 |
| Noninterest expense to average assets | 2.9004% | 1,681 |
| Loan and lease loss provision to assets | 0.3288% | 1,098 |
| Net operating income to assets | 1.3393% | 1,148 |
| Return on assets (ROA) | 1.3134% | 1,314 |
| Pretax return on assets | 1.3306% | 1,877 |
| Return on Equity (ROE) | 14.5548% | 706 |
| Retained earnings to average equity (ytd only) | 14.5548% | 169 |
| Net charge-offs to loans | 0.0358% | 2,338 |
| Credit loss provision to net charge-offs | 1,188.8889% | 688 |
| Earnings coverage of net charge-offs (x) | 60.9365% | 1,061 |
| Efficiency ratio | 63.2491% | 2,936 |
| Assets per employee ($millions) | 5.7381% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,414 |
| Loan loss allowance to noncurrent loans | 825.5875% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 3,538 |
| Noncurrent loans to loans | 0.1883% | 3,538 |
| Net loans and leases to total assets | 77.5505% | 639 |
| Net loans and leases to deposits | 89.6429% | 952 |
| Net loans and leases to core deposits | 114.6220% | 395 |
| Total domestic deposits to total assets | 86.5105% | 2,143 |
| Equity capital to assets | 9.0913% | 3,979 |
| Core capital (leverage) ratio | 8.9269% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5812% | 2,409 |
| Memoranda: | ||
| Average total assets | $227,798,600 | 2,734 |
| Average earning assets | $212,490,600 | 2,732 |
| Average equity | $20,556,800 | 3,134 |
| Average total loans | $176,067,000 | 2,435 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 311 |
| Cost of funding earning assets | 0.8854% | 1,116 |
| Net interest margin | 4.4722% | 405 |
| Noninterest income to average assets | 0.3651% | 3,270 |
| Noninterest expense to average assets | 2.8689% | 1,776 |
| Loan and lease loss provision to assets | 0.2720% | 1,487 |
| Net operating income to assets | 1.3818% | 1,147 |
| Return on assets (ROA) | 1.3503% | 1,330 |
| Pretax return on assets | 1.3648% | 1,837 |
| Return on Equity (ROE) | 14.9958% | 688 |
| Retained earnings to average equity (ytd only) | 14.9958% | 199 |
| Net charge-offs to loans | -0.0110% | 4,247 |
| Credit loss provision to net charge-offs | -3,207.1429% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2324% | 2,875 |
| Assets per employee ($millions) | 4.7441% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,481 |
| Loan loss allowance to noncurrent loans | 212.7444% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 2,087 |
| Noncurrent loans to loans | 0.6898% | 2,067 |
| Net loans and leases to total assets | 76.9969% | 966 |
| Net loans and leases to deposits | 93.4361% | 969 |
| Net loans and leases to core deposits | 121.7814% | 377 |
| Total domestic deposits to total assets | 82.4059% | 3,313 |
| Equity capital to assets | 8.9167% | 4,173 |
| Core capital (leverage) ratio | 9.2557% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6505% | 1,952 |
| Memoranda: | ||
| Average total assets | $220,194,500 | 2,781 |
| Average earning assets | $205,410,000 | 2,765 |
| Average equity | $19,827,250 | 3,202 |
| Average total loans | $169,231,500 | 2,495 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 723 |
| Cost of funding earning assets | 0.9839% | 1,034 |
| Net interest margin | 4.0900% | 1,138 |
| Noninterest income to average assets | 0.3708% | 3,252 |
| Noninterest expense to average assets | 2.7291% | 2,294 |
| Loan and lease loss provision to assets | 0.2008% | 2,044 |
| Net operating income to assets | 1.2546% | 1,481 |
| Return on assets (ROA) | 1.2238% | 1,694 |
| Pretax return on assets | 1.2238% | 2,278 |
| Return on Equity (ROE) | 13.5373% | 971 |
| Retained earnings to average equity (ytd only) | 13.5373% | 307 |
| Net charge-offs to loans | -0.0201% | 4,405 |
| Credit loss provision to net charge-offs | -1,306.2500% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2204% | 2,631 |
| Assets per employee ($millions) | 5.6122% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,456 |
| Loan loss allowance to noncurrent loans | 212.0974% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 2,245 |
| Noncurrent loans to loans | 0.6775% | 2,177 |
| Net loans and leases to total assets | 76.7368% | 1,033 |
| Net loans and leases to deposits | 94.2825% | 934 |
| Net loans and leases to core deposits | 122.9052% | 363 |
| Total domestic deposits to total assets | 81.3902% | 3,525 |
| Equity capital to assets | 8.1807% | 4,644 |
| Core capital (leverage) ratio | 8.1777% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0808% | 2,146 |
| Memoranda: | ||
| Average total assets | $208,198,333 | 2,840 |
| Average earning assets | $194,133,000 | 2,840 |
| Average equity | $18,822,000 | 3,284 |
| Average total loans | $158,911,667 | 2,574 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 342 |
| Cost of funding earning assets | 1.1263% | 966 |
| Net interest margin | 4.4093% | 615 |
| Noninterest income to average assets | 0.3799% | 3,231 |
| Noninterest expense to average assets | 3.0913% | 1,663 |
| Loan and lease loss provision to assets | 0.2296% | 1,349 |
| Net operating income to assets | 1.1772% | 1,591 |
| Return on assets (ROA) | 1.1668% | 1,745 |
| Pretax return on assets | 1.1668% | 2,315 |
| Return on Equity (ROE) | 12.1773% | 1,060 |
| Retained earnings to average equity (ytd only) | 12.1773% | 404 |
| Net charge-offs to loans | -0.0305% | 4,478 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7239% | 2,554 |
| Assets per employee ($millions) | 4.6250% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 777 |
| Loan loss allowance to noncurrent loans | 11,286.9565% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,591 |
| Noncurrent loans to loans | 0.0155% | 4,507 |
| Net loans and leases to total assets | 73.0768% | 1,769 |
| Net loans and leases to deposits | 85.1569% | 2,097 |
| Net loans and leases to core deposits | 116.4770% | 572 |
| Total domestic deposits to total assets | 85.8143% | 2,081 |
| Equity capital to assets | 9.3344% | 4,365 |
| Core capital (leverage) ratio | 9.6968% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5817% | 2,447 |
| Memoranda: | ||
| Average total assets | $191,635,000 | 2,940 |
| Average earning assets | $178,986,500 | 2,934 |
| Average equity | $18,362,000 | 3,339 |
| Average total loans | $144,425,000 | 2,686 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 650 |
| Cost of funding earning assets | 1.1236% | 1,246 |
| Net interest margin | 4.2944% | 1,100 |
| Noninterest income to average assets | 0.3789% | 3,432 |
| Noninterest expense to average assets | 3.0698% | 1,831 |
| Loan and lease loss provision to assets | 0.1597% | 1,311 |
| Net operating income to assets | 1.1658% | 2,194 |
| Return on assets (ROA) | 1.1686% | 2,281 |
| Pretax return on assets | 1.1686% | 2,953 |
| Return on Equity (ROE) | 11.8458% | 1,571 |
| Retained earnings to average equity (ytd only) | 5.5962% | 2,103 |
| Net charge-offs to loans | 0.0941% | 1,789 |
| Credit loss provision to net charge-offs | 241.5254% | 1,121 |
| Earnings coverage of net charge-offs (x) | 20.0424% | 1,958 |
| Efficiency ratio | 69.8419% | 2,194 |
| Assets per employee ($millions) | 4.3903% | 3,385 |
| Cash dividends to net income (ytd only)* | 52.7578% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 710 |
| Loan loss allowance to noncurrent loans | 8,839.2857% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,582 |
| Noncurrent loans to loans | 0.0199% | 4,488 |
| Net loans and leases to total assets | 75.0820% | 1,574 |
| Net loans and leases to deposits | 85.3241% | 2,176 |
| Net loans and leases to core deposits | 116.4008% | 580 |
| Total domestic deposits to total assets | 87.9963% | 1,127 |
| Equity capital to assets | 9.8485% | 4,058 |
| Core capital (leverage) ratio | 9.4247% | 4,138 |
| Tier 1 risk-based capital ratio | 12.7951% | 3,898 |
| Total risk-based capital ratio | 14.0519% | 3,785 |
| Memoranda: | ||
| Average total assets | $178,416,600 | 3,037 |
| Average earning assets | $166,869,800 | 3,024 |
| Average equity | $17,601,200 | 3,380 |
| Average total loans | $125,348,000 | 2,875 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 810 |
| Cost of funding earning assets | 1.0938% | 1,381 |
| Net interest margin | 4.2373% | 1,288 |
| Noninterest income to average assets | 0.3504% | 3,631 |
| Noninterest expense to average assets | 2.9617% | 2,079 |
| Loan and lease loss provision to assets | 0.1470% | 1,297 |
| Net operating income to assets | 1.2035% | 2,181 |
| Return on assets (ROA) | 1.2088% | 2,240 |
| Pretax return on assets | 1.2088% | 2,957 |
| Return on Equity (ROE) | 12.2476% | 1,533 |
| Retained earnings to average equity (ytd only) | 12.2476% | 357 |
| Net charge-offs to loans | -0.0198% | 4,582 |
| Credit loss provision to net charge-offs | -1,083.3333% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6823% | 2,307 |
| Assets per employee ($millions) | 4.5060% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 606 |
| Loan loss allowance to noncurrent loans | 365.5072% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,013 |
| Noncurrent loans to loans | 0.5061% | 2,778 |
| Net loans and leases to total assets | 72.4304% | 2,102 |
| Net loans and leases to deposits | 82.7943% | 2,585 |
| Net loans and leases to core deposits | 110.4797% | 931 |
| Total domestic deposits to total assets | 87.4823% | 1,265 |
| Equity capital to assets | 10.1263% | 3,885 |
| Core capital (leverage) ratio | 10.1320% | 3,492 |
| Tier 1 risk-based capital ratio | 13.5656% | 3,531 |
| Total risk-based capital ratio | 14.8391% | 3,441 |
| Memoranda: | ||
| Average total assets | $176,922,500 | 3,082 |
| Average earning assets | $165,416,250 | 3,062 |
| Average equity | $17,461,500 | 3,418 |
| Average total loans | $121,454,750 | 2,962 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 1,095 |
| Cost of funding earning assets | 1.0551% | 1,471 |
| Net interest margin | 4.0979% | 1,611 |
| Noninterest income to average assets | 0.3304% | 3,730 |
| Noninterest expense to average assets | 2.9372% | 2,174 |
| Loan and lease loss provision to assets | 0.1205% | 1,557 |
| Net operating income to assets | 1.1049% | 2,505 |
| Return on assets (ROA) | 1.1175% | 2,529 |
| Pretax return on assets | 1.1175% | 3,184 |
| Return on Equity (ROE) | 11.4279% | 1,815 |
| Retained earnings to average equity (ytd only) | 11.4279% | 492 |
| Net charge-offs to loans | -0.0172% | 4,500 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5623% | 2,141 |
| Assets per employee ($millions) | 4.6823% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 524 |
| Loan loss allowance to noncurrent loans | 745.8462% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,848 |
| Noncurrent loans to loans | 0.2604% | 3,599 |
| Net loans and leases to total assets | 68.7885% | 2,707 |
| Net loans and leases to deposits | 77.8776% | 3,158 |
| Net loans and leases to core deposits | 103.0166% | 1,469 |
| Total domestic deposits to total assets | 88.3290% | 953 |
| Equity capital to assets | 10.1288% | 3,856 |
| Core capital (leverage) ratio | 10.2538% | 3,332 |
| Tier 1 risk-based capital ratio | 15.2950% | 2,714 |
| Total risk-based capital ratio | 16.5718% | 2,630 |
| Memoranda: | ||
| Average total assets | $174,314,330 | 3,118 |
| Average earning assets | $163,010,670 | 3,104 |
| Average equity | $17,046,000 | 3,462 |
| Average total loans | $116,494,670 | 3,019 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 1,283 |
| Cost of funding earning assets | 1.0388% | 1,414 |
| Net interest margin | 3.9843% | 1,891 |
| Noninterest income to average assets | 0.3014% | 3,870 |
| Noninterest expense to average assets | 2.9054% | 2,268 |
| Loan and lease loss provision to assets | 0.0696% | 2,264 |
| Net operating income to assets | 1.0527% | 2,651 |
| Return on assets (ROA) | 1.0527% | 2,693 |
| Pretax return on assets | 1.0527% | 3,278 |
| Return on Equity (ROE) | 10.9675% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.9675% | 810 |
| Net charge-offs to loans | 0.0178% | 2,114 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 96.8000% | 680 |
| Efficiency ratio | 72.1359% | 2,022 |
| Assets per employee ($millions) | 4.9008% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 423 |
| Loan loss allowance to noncurrent loans | 1,240.9574% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,276 |
| Noncurrent loans to loans | 0.1682% | 3,997 |
| Net loans and leases to total assets | 62.0315% | 3,497 |
| Net loans and leases to deposits | 69.8086% | 3,773 |
| Net loans and leases to core deposits | 90.6892% | 2,425 |
| Total domestic deposits to total assets | 88.8595% | 931 |
| Equity capital to assets | 9.6323% | 4,149 |
| Core capital (leverage) ratio | 9.9059% | 3,705 |
| Tier 1 risk-based capital ratio | 16.1028% | 2,392 |
| Total risk-based capital ratio | 17.3802% | 2,333 |
| Memoranda: | ||
| Average total assets | $172,507,500 | 3,164 |
| Average earning assets | $161,335,000 | 3,154 |
| Average equity | $16,558,000 | 3,524 |
| Average total loans | $112,333,000 | 3,129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 955 |
| Cost of funding earning assets | 0.8353% | 1,359 |
| Net interest margin | 4.2068% | 1,374 |
| Noninterest income to average assets | 0.3414% | 3,829 |
| Noninterest expense to average assets | 2.7540% | 2,843 |
| Loan and lease loss provision to assets | 0.1623% | 1,255 |
| Net operating income to assets | 1.3760% | 1,511 |
| Return on assets (ROA) | 1.3760% | 1,504 |
| Pretax return on assets | 1.3760% | 2,222 |
| Return on Equity (ROE) | 14.2403% | 993 |
| Retained earnings to average equity (ytd only) | 11.0112% | 437 |
| Net charge-offs to loans | 0.0635% | 2,208 |
| Credit loss provision to net charge-offs | 371.4286% | 865 |
| Earnings coverage of net charge-offs (x) | 35.2143% | 1,443 |
| Efficiency ratio | 64.1611% | 3,165 |
| Assets per employee ($millions) | 4.1119% | 3,735 |
| Cash dividends to net income (ytd only)* | 22.6757% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 438 |
| Loan loss allowance to noncurrent loans | 1,939.4958% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,469 |
| Noncurrent loans to loans | 0.1054% | 4,262 |
| Net loans and leases to total assets | 65.5946% | 3,186 |
| Net loans and leases to deposits | 73.8152% | 3,515 |
| Net loans and leases to core deposits | 97.6735% | 1,889 |
| Total domestic deposits to total assets | 88.8633% | 917 |
| Equity capital to assets | 9.5630% | 4,076 |
| Core capital (leverage) ratio | 9.6275% | 3,976 |
| Tier 1 risk-based capital ratio | 14.8329% | 2,915 |
| Total risk-based capital ratio | 16.1087% | 2,832 |
| Memoranda: | ||
| Average total assets | $160,241,400 | 3,280 |
| Average earning assets | $150,493,200 | 3,238 |
| Average equity | $15,484,200 | 3,576 |
| Average total loans | $110,189,800 | 3,128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 1,000 |
| Cost of funding earning assets | 0.7809% | 1,426 |
| Net interest margin | 4.1866% | 1,392 |
| Noninterest income to average assets | 0.3431% | 3,851 |
| Noninterest expense to average assets | 2.6640% | 3,087 |
| Loan and lease loss provision to assets | 0.2192% | 761 |
| Net operating income to assets | 1.3918% | 1,516 |
| Return on assets (ROA) | 1.3918% | 1,514 |
| Pretax return on assets | 1.3918% | 2,257 |
| Return on Equity (ROE) | 14.3642% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.3642% | 212 |
| Net charge-offs to loans | 0.0317% | 2,454 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 73.4912% | 925 |
| Efficiency ratio | 62.3151% | 3,459 |
| Assets per employee ($millions) | 4.9199% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 430 |
| Loan loss allowance to noncurrent loans | 598.7277% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,781 |
| Noncurrent loans to loans | 0.3460% | 3,415 |
| Net loans and leases to total assets | 66.4947% | 3,123 |
| Net loans and leases to deposits | 74.7567% | 3,527 |
| Net loans and leases to core deposits | 97.2273% | 1,998 |
| Total domestic deposits to total assets | 88.9481% | 862 |
| Equity capital to assets | 9.5495% | 4,033 |
| Core capital (leverage) ratio | 10.0307% | 3,604 |
| Tier 1 risk-based capital ratio | 15.0599% | 2,855 |
| Total risk-based capital ratio | 16.3353% | 2,768 |
| Memoranda: | ||
| Average total assets | $158,155,000 | 3,332 |
| Average earning assets | $148,535,250 | 3,293 |
| Average equity | $15,324,750 | 3,622 |
| Average total loans | $109,514,250 | 3,166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 915 |
| Cost of funding earning assets | 0.7273% | 1,485 |
| Net interest margin | 4.2239% | 1,226 |
| Noninterest income to average assets | 0.3481% | 3,844 |
| Noninterest expense to average assets | 2.5994% | 3,329 |
| Loan and lease loss provision to assets | 0.2321% | 692 |
| Net operating income to assets | 1.4853% | 1,189 |
| Return on assets (ROA) | 1.4853% | 1,190 |
| Pretax return on assets | 1.4853% | 1,865 |
| Return on Equity (ROE) | 15.2499% | 803 |
| Retained earnings to average equity (ytd only) | 15.2499% | 186 |
| Net charge-offs to loans | -0.0018% | 3,938 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2151% | 3,907 |
| Assets per employee ($millions) | 5.9838% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 440 |
| Loan loss allowance to noncurrent loans | 621.6216% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 3,859 |
| Noncurrent loans to loans | 0.3383% | 3,486 |
| Net loans and leases to total assets | 66.2780% | 3,099 |
| Net loans and leases to deposits | 74.5636% | 3,480 |
| Net loans and leases to core deposits | 95.5969% | 2,096 |
| Total domestic deposits to total assets | 88.8879% | 977 |
| Equity capital to assets | 9.6205% | 3,991 |
| Core capital (leverage) ratio | 10.3439% | 3,191 |
| Tier 1 risk-based capital ratio | 16.2366% | 2,354 |
| Total risk-based capital ratio | 17.5156% | 2,282 |
| Memoranda: | ||
| Average total assets | $155,115,000 | 3,379 |
| Average earning assets | $145,743,000 | 3,349 |
| Average equity | $15,108,330 | 3,667 |
| Average total loans | $108,158,330 | 3,201 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 794 |
| Cost of funding earning assets | 0.7018% | 1,430 |
| Net interest margin | 4.2414% | 1,073 |
| Noninterest income to average assets | 0.3476% | 3,817 |
| Noninterest expense to average assets | 2.6071% | 3,317 |
| Loan and lease loss provision to assets | 0.2370% | 648 |
| Net operating income to assets | 1.4984% | 1,083 |
| Return on assets (ROA) | 1.4984% | 1,084 |
| Pretax return on assets | 1.4984% | 1,683 |
| Return on Equity (ROE) | 15.2844% | 757 |
| Retained earnings to average equity (ytd only) | 15.2844% | 305 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0364% | 4,064 |
| Assets per employee ($millions) | 5.8429% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 483 |
| Loan loss allowance to noncurrent loans | 507.8161% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 3,714 |
| Noncurrent loans to loans | 0.4063% | 3,332 |
| Net loans and leases to total assets | 69.0228% | 2,624 |
| Net loans and leases to deposits | 77.9239% | 3,023 |
| Net loans and leases to core deposits | 100.8192% | 1,627 |
| Total domestic deposits to total assets | 88.5772% | 1,317 |
| Equity capital to assets | 9.9095% | 3,688 |
| Core capital (leverage) ratio | 10.1568% | 3,349 |
| Tier 1 risk-based capital ratio | 15.6392% | 2,614 |
| Total risk-based capital ratio | 16.9034% | 2,555 |
| Memoranda: | ||
| Average total assets | $151,891,500 | 3,441 |
| Average earning assets | $143,065,000 | 3,416 |
| Average equity | $14,891,000 | 3,720 |
| Average total loans | $107,547,500 | 3,238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 788 |
| Cost of funding earning assets | 0.6661% | 1,207 |
| Net interest margin | 4.2379% | 1,109 |
| Noninterest income to average assets | 0.3270% | 4,133 |
| Noninterest expense to average assets | 2.6262% | 3,363 |
| Loan and lease loss provision to assets | 0.2432% | 782 |
| Net operating income to assets | 1.4425% | 922 |
| Return on assets (ROA) | 1.4425% | 939 |
| Pretax return on assets | 1.4425% | 1,846 |
| Return on Equity (ROE) | 15.0253% | 607 |
| Retained earnings to average equity (ytd only) | 8.6914% | 561 |
| Net charge-offs to loans | 0.0511% | 2,774 |
| Credit loss provision to net charge-offs | 666.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 46.2037% | 1,160 |
| Efficiency ratio | 60.9057% | 4,128 |
| Assets per employee ($millions) | 5.8411% | 1,627 |
| Cash dividends to net income (ytd only)* | 42.1546% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 576 |
| Loan loss allowance to noncurrent loans | 617.7843% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 4,005 |
| Noncurrent loans to loans | 0.3175% | 3,641 |
| Net loans and leases to total assets | 69.7389% | 2,560 |
| Net loans and leases to deposits | 78.5300% | 3,062 |
| Net loans and leases to core deposits | 101.1219% | 1,624 |
| Total domestic deposits to total assets | 88.8054% | 1,083 |
| Equity capital to assets | 9.6979% | 4,031 |
| Core capital (leverage) ratio | 9.6897% | 3,826 |
| Tier 1 risk-based capital ratio | 14.8882% | 2,896 |
| Total risk-based capital ratio | 16.1488% | 2,828 |
| Memoranda: | ||
| Average total assets | $148,008,400 | 3,492 |
| Average earning assets | $139,172,800 | 3,466 |
| Average equity | $14,209,400 | 3,818 |
| Average total loans | $105,720,600 | 3,252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 810 |
| Cost of funding earning assets | 0.6581% | 1,190 |
| Net interest margin | 4.2088% | 1,134 |
| Noninterest income to average assets | 0.3237% | 4,224 |
| Noninterest expense to average assets | 2.6178% | 3,355 |
| Loan and lease loss provision to assets | 0.2448% | 705 |
| Net operating income to assets | 1.4218% | 1,041 |
| Return on assets (ROA) | 1.4218% | 1,070 |
| Pretax return on assets | 1.4218% | 2,055 |
| Return on Equity (ROE) | 14.8483% | 671 |
| Retained earnings to average equity (ytd only) | 6.3257% | 2,046 |
| Net charge-offs to loans | 0.0609% | 2,247 |
| Credit loss provision to net charge-offs | 562.5000% | 565 |
| Earnings coverage of net charge-offs (x) | 38.2908% | 1,341 |
| Efficiency ratio | 61.1005% | 4,030 |
| Assets per employee ($millions) | 6.1684% | 1,399 |
| Cash dividends to net income (ytd only)* | 57.3981% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 693 |
| Loan loss allowance to noncurrent loans | 506.2189% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 4,021 |
| Noncurrent loans to loans | 0.3764% | 3,601 |
| Net loans and leases to total assets | 67.9435% | 2,853 |
| Net loans and leases to deposits | 76.5698% | 3,319 |
| Net loans and leases to core deposits | 99.1577% | 1,782 |
| Total domestic deposits to total assets | 88.7341% | 999 |
| Equity capital to assets | 9.5435% | 4,399 |
| Core capital (leverage) ratio | 9.4415% | 4,237 |
| Tier 1 risk-based capital ratio | 14.6985% | 3,068 |
| Total risk-based capital ratio | 15.9584% | 2,991 |
| Memoranda: | ||
| Average total assets | $147,043,500 | 3,534 |
| Average earning assets | $138,373,500 | 3,501 |
| Average equity | $14,079,750 | 3,872 |
| Average total loans | $105,143,250 | 3,288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 741 |
| Cost of funding earning assets | 0.6534% | 1,122 |
| Net interest margin | 4.2220% | 1,032 |
| Noninterest income to average assets | 0.3249% | 4,225 |
| Noninterest expense to average assets | 2.6435% | 3,297 |
| Loan and lease loss provision to assets | 0.2489% | 669 |
| Net operating income to assets | 1.3992% | 1,072 |
| Return on assets (ROA) | 1.3992% | 1,094 |
| Pretax return on assets | 1.3992% | 2,025 |
| Return on Equity (ROE) | 14.5955% | 723 |
| Retained earnings to average equity (ytd only) | 1.6153% | 4,610 |
| Net charge-offs to loans | 0.0861% | 1,752 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 26.4889% | 1,573 |
| Efficiency ratio | 61.5979% | 4,070 |
| Assets per employee ($millions) | 5.9355% | 1,508 |
| Cash dividends to net income (ytd only)* | 88.9328% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 814 |
| Loan loss allowance to noncurrent loans | 490.6801% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,056 |
| Noncurrent loans to loans | 0.3748% | 3,686 |
| Net loans and leases to total assets | 70.0771% | 2,513 |
| Net loans and leases to deposits | 78.9202% | 3,030 |
| Net loans and leases to core deposits | 103.8697% | 1,359 |
| Total domestic deposits to total assets | 88.7949% | 1,059 |
| Equity capital to assets | 9.4799% | 4,420 |
| Core capital (leverage) ratio | 9.3253% | 4,333 |
| Tier 1 risk-based capital ratio | 13.1847% | 3,893 |
| Total risk-based capital ratio | 14.4422% | 3,787 |
| Memoranda: | ||
| Average total assets | $144,655,000 | 3,587 |
| Average earning assets | $135,908,000 | 3,558 |
| Average equity | $13,867,330 | 3,905 |
| Average total loans | $104,587,670 | 3,306 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 657 |
| Cost of funding earning assets | 0.6513% | 1,071 |
| Net interest margin | 4.2245% | 936 |
| Noninterest income to average assets | 0.2969% | 4,428 |
| Noninterest expense to average assets | 2.7033% | 3,128 |
| Loan and lease loss provision to assets | 0.2521% | 589 |
| Net operating income to assets | 1.3026% | 1,233 |
| Return on assets (ROA) | 1.3026% | 1,267 |
| Pretax return on assets | 1.3026% | 2,225 |
| Return on Equity (ROE) | 13.5101% | 900 |
| Retained earnings to average equity (ytd only) | 13.5101% | 334 |
| Net charge-offs to loans | 0.0423% | 1,981 |
| Credit loss provision to net charge-offs | 818.1818% | 381 |
| Earnings coverage of net charge-offs (x) | 50.4545% | 891 |
| Efficiency ratio | 63.4868% | 3,918 |
| Assets per employee ($millions) | 5.4002% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,009 |
| Loan loss allowance to noncurrent loans | 202.7867% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 2,715 |
| Noncurrent loans to loans | 0.8756% | 2,284 |
| Net loans and leases to total assets | 71.7824% | 2,101 |
| Net loans and leases to deposits | 80.9484% | 2,627 |
| Net loans and leases to core deposits | 106.3756% | 1,076 |
| Total domestic deposits to total assets | 88.6767% | 1,333 |
| Equity capital to assets | 9.6251% | 4,158 |
| Core capital (leverage) ratio | 9.7917% | 3,766 |
| Tier 1 risk-based capital ratio | 13.4507% | 3,800 |
| Total risk-based capital ratio | 14.7080% | 3,718 |
| Memoranda: | ||
| Average total assets | $142,788,500 | 3,656 |
| Average earning assets | $133,886,000 | 3,628 |
| Average equity | $13,767,500 | 3,951 |
| Average total loans | $103,914,500 | 3,341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 906 |
| Cost of funding earning assets | 0.6819% | 898 |
| Net interest margin | 4.1081% | 1,366 |
| Noninterest income to average assets | 0.2724% | 4,787 |
| Noninterest expense to average assets | 2.6856% | 3,385 |
| Loan and lease loss provision to assets | 0.1670% | 1,470 |
| Net operating income to assets | 1.2790% | 1,273 |
| Return on assets (ROA) | 1.2790% | 1,340 |
| Pretax return on assets | 1.2790% | 2,361 |
| Return on Equity (ROE) | 13.1362% | 964 |
| Retained earnings to average equity (ytd only) | 13.1362% | 158 |
| Net charge-offs to loans | 0.1985% | 1,394 |
| Credit loss provision to net charge-offs | 114.2132% | 2,303 |
| Earnings coverage of net charge-offs (x) | 9.8883% | 2,711 |
| Efficiency ratio | 65.0018% | 3,760 |
| Assets per employee ($millions) | 5.3758% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 963 |
| Loan loss allowance to noncurrent loans | 134.5954% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,961 |
| Noncurrent loans to loans | 1.3301% | 1,548 |
| Net loans and leases to total assets | 71.1600% | 2,308 |
| Net loans and leases to deposits | 80.3362% | 2,853 |
| Net loans and leases to core deposits | 105.1318% | 1,194 |
| Total domestic deposits to total assets | 88.5777% | 1,334 |
| Equity capital to assets | 9.6594% | 4,106 |
| Core capital (leverage) ratio | 9.5247% | 4,050 |
| Tier 1 risk-based capital ratio | 13.6094% | 3,699 |
| Total risk-based capital ratio | 14.8661% | 3,604 |
| Memoranda: | ||
| Average total assets | $134,718,600 | 3,759 |
| Average earning assets | $126,556,200 | 3,714 |
| Average equity | $13,116,400 | 4,075 |
| Average total loans | $99,231,000 | 3,401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 826 |
| Cost of funding earning assets | 0.6781% | 914 |
| Net interest margin | 4.1624% | 1,222 |
| Noninterest income to average assets | 0.2677% | 4,857 |
| Noninterest expense to average assets | 2.6365% | 3,549 |
| Loan and lease loss provision to assets | 0.2248% | 902 |
| Net operating income to assets | 1.3188% | 1,238 |
| Return on assets (ROA) | 1.3188% | 1,319 |
| Pretax return on assets | 1.3188% | 2,351 |
| Return on Equity (ROE) | 13.5171% | 918 |
| Retained earnings to average equity (ytd only) | 13.5171% | 196 |
| Net charge-offs to loans | 0.1432% | 1,555 |
| Credit loss provision to net charge-offs | 212.2642% | 1,381 |
| Earnings coverage of net charge-offs (x) | 14.5755% | 2,236 |
| Efficiency ratio | 63.0736% | 4,064 |
| Assets per employee ($millions) | 5.4494% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 780 |
| Loan loss allowance to noncurrent loans | 128.7356% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,974 |
| Noncurrent loans to loans | 1.5160% | 1,425 |
| Net loans and leases to total assets | 67.5110% | 2,872 |
| Net loans and leases to deposits | 76.4105% | 3,362 |
| Net loans and leases to core deposits | 96.8040% | 1,916 |
| Total domestic deposits to total assets | 88.3530% | 1,210 |
| Equity capital to assets | 9.7265% | 4,443 |
| Core capital (leverage) ratio | 9.6690% | 3,973 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,802 |
| Total risk-based capital ratio | 14.8596% | 3,703 |
| Memoranda: | ||
| Average total assets | $133,455,500 | 3,798 |
| Average earning assets | $125,437,750 | 3,745 |
| Average equity | $13,020,250 | 4,118 |
| Average total loans | $98,720,250 | 3,413 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 695 |
| Cost of funding earning assets | 0.6762% | 915 |
| Net interest margin | 4.2407% | 1,033 |
| Noninterest income to average assets | 0.2234% | 5,153 |
| Noninterest expense to average assets | 2.6654% | 3,497 |
| Loan and lease loss provision to assets | 0.2295% | 882 |
| Net operating income to assets | 1.3205% | 1,223 |
| Return on assets (ROA) | 1.3205% | 1,312 |
| Pretax return on assets | 1.3205% | 2,324 |
| Return on Equity (ROE) | 13.5196% | 924 |
| Retained earnings to average equity (ytd only) | 13.5196% | 212 |
| Net charge-offs to loans | 0.1070% | 1,755 |
| Credit loss provision to net charge-offs | 283.0189% | 1,005 |
| Earnings coverage of net charge-offs (x) | 19.1132% | 1,794 |
| Efficiency ratio | 63.2305% | 4,149 |
| Assets per employee ($millions) | 5.3235% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 897 |
| Loan loss allowance to noncurrent loans | 202.3656% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,885 |
| Noncurrent loans to loans | 0.9380% | 2,400 |
| Net loans and leases to total assets | 73.0845% | 2,001 |
| Net loans and leases to deposits | 83.2436% | 2,554 |
| Net loans and leases to core deposits | 103.2756% | 1,379 |
| Total domestic deposits to total assets | 87.7960% | 1,530 |
| Equity capital to assets | 9.9732% | 4,260 |
| Core capital (leverage) ratio | 9.4070% | 4,325 |
| Tier 1 risk-based capital ratio | 13.3160% | 4,004 |
| Total risk-based capital ratio | 14.5752% | 3,918 |
| Memoranda: | ||
| Average total assets | $130,712,330 | 3,863 |
| Average earning assets | $123,044,670 | 3,823 |
| Average equity | $12,766,670 | 4,186 |
| Average total loans | $99,108,000 | 3,424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 650 |
| Cost of funding earning assets | 0.6517% | 1,044 |
| Net interest margin | 4.2902% | 946 |
| Noninterest income to average assets | 0.1637% | 5,515 |
| Noninterest expense to average assets | 2.6806% | 3,493 |
| Loan and lease loss provision to assets | 0.2316% | 792 |
| Net operating income to assets | 1.2970% | 1,265 |
| Return on assets (ROA) | 1.2970% | 1,345 |
| Pretax return on assets | 1.2970% | 2,315 |
| Return on Equity (ROE) | 13.4255% | 939 |
| Retained earnings to average equity (ytd only) | 13.4255% | 358 |
| Net charge-offs to loans | 0.0323% | 2,310 |
| Credit loss provision to net charge-offs | 937.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 760 |
| Efficiency ratio | 63.6831% | 4,173 |
| Assets per employee ($millions) | 5.5679% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 1,086 |
| Loan loss allowance to noncurrent loans | 709.5785% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 4,782 |
| Noncurrent loans to loans | 0.2584% | 4,513 |
| Net loans and leases to total assets | 74.2062% | 1,698 |
| Net loans and leases to deposits | 84.7291% | 2,223 |
| Net loans and leases to core deposits | 104.5285% | 1,156 |
| Total domestic deposits to total assets | 87.5805% | 1,874 |
| Equity capital to assets | 9.5862% | 4,576 |
| Core capital (leverage) ratio | 9.4670% | 4,250 |
| Tier 1 risk-based capital ratio | 12.7902% | 4,406 |
| Total risk-based capital ratio | 14.0483% | 4,310 |
| Memoranda: | ||
| Average total assets | $129,525,000 | 3,922 |
| Average earning assets | $122,137,500 | 3,867 |
| Average equity | $12,513,500 | 4,239 |
| Average total loans | $99,088,000 | 3,438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 625 |
| Cost of funding earning assets | 0.6150% | 1,279 |
| Net interest margin | 4.3888% | 816 |
| Noninterest income to average assets | 0.2941% | 4,780 |
| Noninterest expense to average assets | 2.6148% | 3,864 |
| Loan and lease loss provision to assets | 0.2538% | 745 |
| Net operating income to assets | 1.5657% | 757 |
| Return on assets (ROA) | 1.5657% | 780 |
| Pretax return on assets | 1.5657% | 1,356 |
| Return on Equity (ROE) | 16.5365% | 506 |
| Retained earnings to average equity (ytd only) | 10.1534% | 447 |
| Net charge-offs to loans | 0.1092% | 2,288 |
| Credit loss provision to net charge-offs | 305.8252% | 969 |
| Earnings coverage of net charge-offs (x) | 21.9223% | 1,790 |
| Efficiency ratio | 58.9678% | 5,030 |
| Assets per employee ($millions) | 5.2259% | 2,091 |
| Cash dividends to net income (ytd only)* | 38.6001% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 5,060 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.0463% | 1,409 |
| Net loans and leases to deposits | 85.1802% | 2,220 |
| Net loans and leases to core deposits | 99.0693% | 1,587 |
| Total domestic deposits to total assets | 89.2769% | 980 |
| Equity capital to assets | 9.7408% | 4,248 |
| Core capital (leverage) ratio | 9.2912% | 4,489 |
| Tier 1 risk-based capital ratio | 12.8357% | 4,430 |
| Total risk-based capital ratio | 14.0944% | 4,320 |
| Memoranda: | ||
| Average total assets | $124,099,000 | 4,005 |
| Average earning assets | $117,070,400 | 3,946 |
| Average equity | $11,749,800 | 4,348 |
| Average total loans | $94,321,800 | 3,495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 629 |
| Cost of funding earning assets | 0.6059% | 1,371 |
| Net interest margin | 4.3854% | 819 |
| Noninterest income to average assets | 0.3232% | 4,630 |
| Noninterest expense to average assets | 2.6102% | 3,837 |
| Loan and lease loss provision to assets | 0.2909% | 520 |
| Net operating income to assets | 1.5620% | 828 |
| Return on assets (ROA) | 1.5620% | 873 |
| Pretax return on assets | 1.5620% | 1,499 |
| Return on Equity (ROE) | 16.6190% | 518 |
| Retained earnings to average equity (ytd only) | 16.6190% | 117 |
| Net charge-offs to loans | 0.1253% | 1,873 |
| Credit loss provision to net charge-offs | 306.8182% | 945 |
| Earnings coverage of net charge-offs (x) | 19.5456% | 1,930 |
| Efficiency ratio | 58.4842% | 5,062 |
| Assets per employee ($millions) | 5.3509% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 1,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 5,197 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.3673% | 1,845 |
| Net loans and leases to deposits | 82.8525% | 2,546 |
| Net loans and leases to core deposits | 96.1016% | 1,867 |
| Total domestic deposits to total assets | 88.5517% | 1,272 |
| Equity capital to assets | 9.6908% | 4,527 |
| Core capital (leverage) ratio | 9.5406% | 4,250 |
| Tier 1 risk-based capital ratio | 13.2317% | 4,298 |
| Total risk-based capital ratio | 14.4898% | 4,211 |
| Memoranda: | ||
| Average total assets | $123,768,500 | 4,050 |
| Average earning assets | $116,839,500 | 3,987 |
| Average equity | $11,633,000 | 4,417 |
| Average total loans | $93,611,500 | 3,542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 562 |
| Cost of funding earning assets | 0.6034% | 1,388 |
| Net interest margin | 4.4357% | 715 |
| Noninterest income to average assets | 0.3109% | 4,735 |
| Noninterest expense to average assets | 2.6199% | 3,850 |
| Loan and lease loss provision to assets | 0.2946% | 531 |
| Net operating income to assets | 1.5824% | 775 |
| Return on assets (ROA) | 1.5824% | 805 |
| Pretax return on assets | 1.5824% | 1,385 |
| Return on Equity (ROE) | 17.0212% | 486 |
| Retained earnings to average equity (ytd only) | 17.0212% | 125 |
| Net charge-offs to loans | 0.0733% | 2,345 |
| Credit loss provision to net charge-offs | 529.4118% | 602 |
| Earnings coverage of net charge-offs (x) | 33.7353% | 1,259 |
| Efficiency ratio | 58.2606% | 5,191 |
| Assets per employee ($millions) | 5.7467% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 1,373 |
| Loan loss allowance to noncurrent loans | 4,911.4286% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 5,198 |
| Noncurrent loans to loans | 0.0367% | 5,601 |
| Net loans and leases to total assets | 74.1513% | 1,634 |
| Net loans and leases to deposits | 83.4272% | 2,387 |
| Net loans and leases to core deposits | 96.3841% | 1,768 |
| Total domestic deposits to total assets | 88.8814% | 1,200 |
| Equity capital to assets | 9.3745% | 4,817 |
| Core capital (leverage) ratio | 9.3853% | 4,445 |
| Tier 1 risk-based capital ratio | 13.1195% | 4,445 |
| Total risk-based capital ratio | 14.3783% | 4,356 |
| Memoranda: | ||
| Average total assets | $122,217,670 | 4,112 |
| Average earning assets | $115,337,000 | 4,044 |
| Average equity | $11,362,330 | 4,493 |
| Average total loans | $92,824,330 | 3,582 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 488 |
| Cost of funding earning assets | 0.6059% | 1,392 |
| Net interest margin | 4.4843% | 617 |
| Noninterest income to average assets | 0.3230% | 4,604 |
| Noninterest expense to average assets | 2.6975% | 3,599 |
| Loan and lease loss provision to assets | 0.2997% | 488 |
| Net operating income to assets | 1.5652% | 758 |
| Return on assets (ROA) | 1.5652% | 796 |
| Pretax return on assets | 1.5652% | 1,358 |
| Return on Equity (ROE) | 16.9103% | 481 |
| Retained earnings to average equity (ytd only) | 16.9103% | 184 |
| Net charge-offs to loans | 0.0962% | 1,760 |
| Credit loss provision to net charge-offs | 409.0909% | 647 |
| Earnings coverage of net charge-offs (x) | 25.4545% | 1,265 |
| Efficiency ratio | 59.1241% | 5,210 |
| Assets per employee ($millions) | 5.9165% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 1,660 |
| Loan loss allowance to noncurrent loans | 4,685.7143% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 5,261 |
| Noncurrent loans to loans | 0.0370% | 5,641 |
| Net loans and leases to total assets | 74.8147% | 1,386 |
| Net loans and leases to deposits | 83.9770% | 2,080 |
| Net loans and leases to core deposits | 98.6093% | 1,421 |
| Total domestic deposits to total assets | 89.0895% | 1,208 |
| Equity capital to assets | 9.1552% | 5,132 |
| Core capital (leverage) ratio | 9.3702% | 4,474 |
| Tier 1 risk-based capital ratio | 12.5836% | 4,847 |
| Total risk-based capital ratio | 13.8331% | 4,766 |
| Memoranda: | ||
| Average total assets | $120,112,500 | 4,180 |
| Average earning assets | $113,551,500 | 4,107 |
| Average equity | $11,117,500 | 4,576 |
| Average total loans | $91,503,000 | 3,622 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 700 |
| Cost of funding earning assets | 0.5946% | 1,808 |
| Net interest margin | 4.4612% | 799 |
| Noninterest income to average assets | 0.2421% | 5,391 |
| Noninterest expense to average assets | 2.7855% | 3,540 |
| Loan and lease loss provision to assets | 0.3198% | 623 |
| Net operating income to assets | 1.3868% | 1,106 |
| Return on assets (ROA) | 1.3868% | 1,140 |
| Pretax return on assets | 1.3868% | 1,925 |
| Return on Equity (ROE) | 15.1171% | 763 |
| Retained earnings to average equity (ytd only) | 15.1171% | 146 |
| Net charge-offs to loans | 0.0162% | 4,545 |
| Credit loss provision to net charge-offs | 2,692.3077% | 115 |
| Earnings coverage of net charge-offs (x) | 143.6923% | 379 |
| Efficiency ratio | 62.0094% | 4,914 |
| Assets per employee ($millions) | 5.5228% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 1,578 |
| Loan loss allowance to noncurrent loans | 1,055.7047% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 4,901 |
| Noncurrent loans to loans | 0.1685% | 5,224 |
| Net loans and leases to total assets | 74.8745% | 1,438 |
| Net loans and leases to deposits | 84.2883% | 2,177 |
| Net loans and leases to core deposits | 97.7817% | 1,567 |
| Total domestic deposits to total assets | 88.8315% | 1,336 |
| Equity capital to assets | 9.3638% | 4,894 |
| Core capital (leverage) ratio | 9.2248% | 4,641 |
| Tier 1 risk-based capital ratio | 13.0207% | 4,719 |
| Total risk-based capital ratio | 14.2696% | 4,630 |
| Memoranda: | ||
| Average total assets | $109,460,400 | 4,392 |
| Average earning assets | $104,276,800 | 4,306 |
| Average equity | $10,041,600 | 4,744 |
| Average total loans | $80,234,600 | 3,871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 818 |
| Cost of funding earning assets | 0.5906% | 1,920 |
| Net interest margin | 4.3750% | 922 |
| Noninterest income to average assets | 0.2325% | 5,541 |
| Noninterest expense to average assets | 2.7215% | 3,744 |
| Loan and lease loss provision to assets | 0.3215% | 584 |
| Net operating income to assets | 1.3663% | 1,208 |
| Return on assets (ROA) | 1.3663% | 1,247 |
| Pretax return on assets | 1.3663% | 2,135 |
| Return on Equity (ROE) | 14.9771% | 832 |
| Retained earnings to average equity (ytd only) | 14.9771% | 209 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7218% | 4,929 |
| Assets per employee ($millions) | 5.6017% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 1,744 |
| Loan loss allowance to noncurrent loans | 952.8662% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,119 |
| Noncurrent loans to loans | 0.1865% | 5,351 |
| Net loans and leases to total assets | 70.2895% | 2,148 |
| Net loans and leases to deposits | 79.8318% | 2,714 |
| Net loans and leases to core deposits | 90.4442% | 2,177 |
| Total domestic deposits to total assets | 88.0469% | 1,735 |
| Equity capital to assets | 8.8928% | 5,469 |
| Core capital (leverage) ratio | 9.3002% | 4,636 |
| Tier 1 risk-based capital ratio | 13.0676% | 4,820 |
| Total risk-based capital ratio | 14.3140% | 4,752 |
| Memoranda: | ||
| Average total assets | $107,831,000 | 4,463 |
| Average earning assets | $102,945,750 | 4,367 |
| Average equity | $9,837,000 | 4,824 |
| Average total loans | $78,190,500 | 3,957 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 852 |
| Cost of funding earning assets | 0.5941% | 1,945 |
| Net interest margin | 4.3387% | 954 |
| Noninterest income to average assets | 0.2219% | 5,619 |
| Noninterest expense to average assets | 2.7486% | 3,706 |
| Loan and lease loss provision to assets | 0.3252% | 574 |
| Net operating income to assets | 1.3389% | 1,208 |
| Return on assets (ROA) | 1.3389% | 1,252 |
| Pretax return on assets | 1.3389% | 2,121 |
| Return on Equity (ROE) | 14.5394% | 869 |
| Retained earnings to average equity (ytd only) | 14.5394% | 236 |
| Net charge-offs to loans | -0.0026% | 5,082 |
| Credit loss provision to net charge-offs | -17,000.0000% | 5,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2887% | 4,969 |
| Assets per employee ($millions) | 5.5515% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 1,896 |
| Loan loss allowance to noncurrent loans | 578.6008% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,409 |
| Noncurrent loans to loans | 0.3077% | 5,093 |
| Net loans and leases to total assets | 73.5499% | 1,497 |
| Net loans and leases to deposits | 81.6277% | 2,297 |
| Net loans and leases to core deposits | 94.7206% | 1,712 |
| Total domestic deposits to total assets | 90.1041% | 757 |
| Equity capital to assets | 9.4494% | 4,793 |
| Core capital (leverage) ratio | 9.3555% | 4,523 |
| Tier 1 risk-based capital ratio | 13.4535% | 4,617 |
| Total risk-based capital ratio | 14.7037% | 4,555 |
| Memoranda: | ||
| Average total assets | $104,563,000 | 4,565 |
| Average earning assets | $100,997,670 | 4,443 |
| Average equity | $9,629,000 | 4,883 |
| Average total loans | $76,193,670 | 4,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,093 |
| Cost of funding earning assets | 0.5841% | 2,127 |
| Net interest margin | 4.1923% | 1,241 |
| Noninterest income to average assets | 0.2344% | 5,485 |
| Noninterest expense to average assets | 2.6665% | 4,052 |
| Loan and lease loss provision to assets | 0.3458% | 516 |
| Net operating income to assets | 1.2756% | 1,281 |
| Return on assets (ROA) | 1.2756% | 1,332 |
| Pretax return on assets | 1.2756% | 2,196 |
| Return on Equity (ROE) | 14.0381% | 939 |
| Retained earnings to average equity (ytd only) | 14.0381% | 392 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1864% | 5,093 |
| Assets per employee ($millions) | 5.9504% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 2,221 |
| Loan loss allowance to noncurrent loans | 413.0841% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,262 |
| Noncurrent loans to loans | 0.4213% | 4,874 |
| Net loans and leases to total assets | 69.9030% | 1,901 |
| Net loans and leases to deposits | 77.2352% | 2,659 |
| Net loans and leases to core deposits | 89.8639% | 1,922 |
| Total domestic deposits to total assets | 90.5067% | 797 |
| Equity capital to assets | 9.0610% | 5,041 |
| Core capital (leverage) ratio | 9.2178% | 4,696 |
| Tier 1 risk-based capital ratio | 13.2141% | 4,887 |
| Total risk-based capital ratio | 14.4671% | 4,820 |
| Memoranda: | ||
| Average total assets | $104,105,500 | 4,626 |
| Average earning assets | $100,661,000 | 4,490 |
| Average equity | $9,460,000 | 4,949 |
| Average total loans | $74,798,000 | 4,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 843 |
| Cost of funding earning assets | 0.6492% | 2,212 |
| Net interest margin | 4.3948% | 920 |
| Noninterest income to average assets | 0.2081% | 5,836 |
| Noninterest expense to average assets | 2.7869% | 3,776 |
| Loan and lease loss provision to assets | 0.3201% | 1,030 |
| Net operating income to assets | 1.3049% | 1,237 |
| Return on assets (ROA) | 1.3049% | 1,279 |
| Pretax return on assets | 1.3049% | 2,127 |
| Return on Equity (ROE) | 14.5776% | 833 |
| Retained earnings to average equity (ytd only) | 9.8932% | 577 |
| Net charge-offs to loans | 0.0244% | 4,933 |
| Credit loss provision to net charge-offs | 1,875.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 95.1875% | 476 |
| Efficiency ratio | 63.1681% | 5,030 |
| Assets per employee ($millions) | 5.6169% | 1,546 |
| Cash dividends to net income (ytd only)* | 32.1341% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 2,451 |
| Loan loss allowance to noncurrent loans | 380.3077% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 5,294 |
| Noncurrent loans to loans | 0.4428% | 4,895 |
| Net loans and leases to total assets | 71.3750% | 1,779 |
| Net loans and leases to deposits | 78.8624% | 2,606 |
| Net loans and leases to core deposits | 91.2393% | 1,881 |
| Total domestic deposits to total assets | 90.5058% | 811 |
| Equity capital to assets | 9.1144% | 4,907 |
| Core capital (leverage) ratio | 9.5357% | 4,210 |
| Tier 1 risk-based capital ratio | 13.2237% | 4,834 |
| Total risk-based capital ratio | 14.4742% | 4,779 |
| Memoranda: | ||
| Average total assets | $93,724,600 | 4,891 |
| Average earning assets | $89,651,400 | 4,787 |
| Average equity | $8,389,600 | 5,241 |
| Average total loans | $65,683,600 | 4,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 833 |
| Cost of funding earning assets | 0.6615% | 2,250 |
| Net interest margin | 4.3980% | 897 |
| Noninterest income to average assets | 0.2119% | 5,908 |
| Noninterest expense to average assets | 2.7455% | 3,848 |
| Loan and lease loss provision to assets | 0.3265% | 1,015 |
| Net operating income to assets | 1.3365% | 1,254 |
| Return on assets (ROA) | 1.3365% | 1,304 |
| Pretax return on assets | 1.3365% | 2,187 |
| Return on Equity (ROE) | 15.0059% | 797 |
| Retained earnings to average equity (ytd only) | 10.2320% | 740 |
| Net charge-offs to loans | 0.0167% | 4,793 |
| Credit loss provision to net charge-offs | 2,812.5000% | 117 |
| Earnings coverage of net charge-offs (x) | 143.2015% | 386 |
| Efficiency ratio | 62.2778% | 5,100 |
| Assets per employee ($millions) | 5.3594% | 1,780 |
| Cash dividends to net income (ytd only)* | 31.8135% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 2,717 |
| Loan loss allowance to noncurrent loans | 351.0511% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 5,371 |
| Noncurrent loans to loans | 0.4767% | 5,003 |
| Net loans and leases to total assets | 71.1962% | 1,747 |
| Net loans and leases to deposits | 78.5029% | 2,586 |
| Net loans and leases to core deposits | 89.7406% | 2,000 |
| Total domestic deposits to total assets | 90.6924% | 659 |
| Equity capital to assets | 8.6379% | 5,580 |
| Core capital (leverage) ratio | 8.8199% | 5,387 |
| Tier 1 risk-based capital ratio | 12.5485% | 5,430 |
| Total risk-based capital ratio | 13.7981% | 5,375 |
| Memoranda: | ||
| Average total assets | $91,879,750 | 4,976 |
| Average earning assets | $87,673,250 | 4,880 |
| Average equity | $8,183,250 | 5,341 |
| Average total loans | $63,754,750 | 4,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 852 |
| Cost of funding earning assets | 0.6629% | 2,383 |
| Net interest margin | 4.3827% | 878 |
| Noninterest income to average assets | 0.2169% | 5,885 |
| Noninterest expense to average assets | 2.7493% | 3,859 |
| Loan and lease loss provision to assets | 0.3320% | 1,033 |
| Net operating income to assets | 1.3215% | 1,269 |
| Return on assets (ROA) | 1.3215% | 1,349 |
| Pretax return on assets | 1.3215% | 2,225 |
| Return on Equity (ROE) | 14.6803% | 873 |
| Retained earnings to average equity (ytd only) | 7.4754% | 1,680 |
| Net charge-offs to loans | 0.0292% | 4,282 |
| Credit loss provision to net charge-offs | 1,666.6667% | 191 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 546 |
| Efficiency ratio | 62.4434% | 5,104 |
| Assets per employee ($millions) | 4.8376% | 2,316 |
| Cash dividends to net income (ytd only)* | 49.0787% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 2,889 |
| Loan loss allowance to noncurrent loans | 775.1773% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 6,033 |
| Noncurrent loans to loans | 0.2158% | 5,763 |
| Net loans and leases to total assets | 69.8936% | 1,906 |
| Net loans and leases to deposits | 77.0898% | 2,713 |
| Net loans and leases to core deposits | 91.2088% | 1,790 |
| Total domestic deposits to total assets | 90.6652% | 674 |
| Equity capital to assets | 8.7321% | 5,508 |
| Core capital (leverage) ratio | 8.7248% | 5,382 |
| Tier 1 risk-based capital ratio | 12.5676% | 5,457 |
| Total risk-based capital ratio | 13.8173% | 5,397 |
| Memoranda: | ||
| Average total assets | $90,349,670 | 5,055 |
| Average earning assets | $86,293,670 | 4,940 |
| Average equity | $8,133,330 | 5,400 |
| Average total loans | $61,722,330 | 4,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 774 |
| Cost of funding earning assets | 0.6577% | 2,587 |
| Net interest margin | 4.4206% | 775 |
| Noninterest income to average assets | 0.2322% | 5,792 |
| Noninterest expense to average assets | 2.7376% | 3,923 |
| Loan and lease loss provision to assets | 0.3349% | 1,002 |
| Net operating income to assets | 1.3621% | 1,120 |
| Return on assets (ROA) | 1.3621% | 1,210 |
| Pretax return on assets | 1.3621% | 2,003 |
| Return on Equity (ROE) | 14.9017% | 790 |
| Retained earnings to average equity (ytd only) | 0.5863% | 5,594 |
| Net charge-offs to loans | 0.0668% | 3,161 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 825 |
| Efficiency ratio | 61.7321% | 5,339 |
| Assets per employee ($millions) | 5.7084% | 1,475 |
| Cash dividends to net income (ytd only)* | 96.0656% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 3,039 |
| Loan loss allowance to noncurrent loans | 678.0000% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 6,077 |
| Noncurrent loans to loans | 0.2496% | 5,788 |
| Net loans and leases to total assets | 64.6889% | 2,586 |
| Net loans and leases to deposits | 71.5291% | 3,248 |
| Net loans and leases to core deposits | 84.4513% | 2,270 |
| Total domestic deposits to total assets | 90.4373% | 798 |
| Equity capital to assets | 8.9605% | 5,538 |
| Core capital (leverage) ratio | 8.5289% | 5,549 |
| Tier 1 risk-based capital ratio | 12.9530% | 5,259 |
| Total risk-based capital ratio | 14.2095% | 5,206 |
| Memoranda: | ||
| Average total assets | $89,567,500 | 5,109 |
| Average earning assets | $85,146,500 | 5,005 |
| Average equity | $8,187,000 | 5,437 |
| Average total loans | $59,916,000 | 4,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 1,729 |
| Cost of funding earning assets | 0.7674% | 2,941 |
| Net interest margin | 4.1688% | 1,748 |
| Noninterest income to average assets | 0.3017% | 5,299 |
| Noninterest expense to average assets | 2.8260% | 3,919 |
| Loan and lease loss provision to assets | 0.3185% | 2,146 |
| Net operating income to assets | 1.1467% | 1,781 |
| Return on assets (ROA) | 1.1467% | 1,952 |
| Pretax return on assets | 1.1467% | 2,999 |
| Return on Equity (ROE) | 12.2796% | 1,422 |
| Retained earnings to average equity (ytd only) | 7.3240% | 1,412 |
| Net charge-offs to loans | 0.0727% | 4,958 |
| Credit loss provision to net charge-offs | 697.3684% | 354 |
| Earnings coverage of net charge-offs (x) | 32.0789% | 964 |
| Efficiency ratio | 65.8543% | 4,530 |
| Assets per employee ($millions) | 5.8534% | 1,392 |
| Cash dividends to net income (ytd only)* | 40.3564% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 3,353 |
| Loan loss allowance to noncurrent loans | 606.3694% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 6,117 |
| Noncurrent loans to loans | 0.2628% | 5,819 |
| Net loans and leases to total assets | 66.9468% | 2,373 |
| Net loans and leases to deposits | 74.2866% | 3,047 |
| Net loans and leases to core deposits | 84.0603% | 2,542 |
| Total domestic deposits to total assets | 90.1197% | 889 |
| Equity capital to assets | 9.3279% | 5,113 |
| Core capital (leverage) ratio | 8.5767% | 5,494 |
| Tier 1 risk-based capital ratio | 13.0798% | 5,050 |
| Total risk-based capital ratio | 14.3338% | 4,997 |
| Memoranda: | ||
| Average total assets | $83,192,000 | 5,269 |
| Average earning assets | $79,615,000 | 5,137 |
| Average equity | $7,769,000 | 5,566 |
| Average total loans | $52,261,400 | 5,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 2,025 |
| Cost of funding earning assets | 0.7886% | 3,039 |
| Net interest margin | 4.1062% | 2,070 |
| Noninterest income to average assets | 0.3218% | 5,209 |
| Noninterest expense to average assets | 2.7823% | 4,044 |
| Loan and lease loss provision to assets | 0.3332% | 1,965 |
| Net operating income to assets | 1.1328% | 1,975 |
| Return on assets (ROA) | 1.1328% | 2,172 |
| Pretax return on assets | 1.1328% | 3,219 |
| Return on Equity (ROE) | 12.1260% | 1,592 |
| Retained earnings to average equity (ytd only) | 6.0370% | 2,681 |
| Net charge-offs to loans | 0.0556% | 4,877 |
| Credit loss provision to net charge-offs | 976.1905% | 289 |
| Earnings coverage of net charge-offs (x) | 42.9514% | 834 |
| Efficiency ratio | 65.4935% | 4,538 |
| Assets per employee ($millions) | 6.0116% | 1,240 |
| Cash dividends to net income (ytd only)* | 50.2158% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 3,236 |
| Loan loss allowance to noncurrent loans | 531.5789% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,233 |
| Noncurrent loans to loans | 0.3150% | 5,851 |
| Net loans and leases to total assets | 59.2000% | 3,932 |
| Net loans and leases to deposits | 65.4524% | 4,541 |
| Net loans and leases to core deposits | 73.8650% | 3,988 |
| Total domestic deposits to total assets | 90.4474% | 613 |
| Equity capital to assets | 8.8540% | 5,973 |
| Core capital (leverage) ratio | 8.8607% | 5,251 |
| Tier 1 risk-based capital ratio | 13.6990% | 4,756 |
| Total risk-based capital ratio | 14.9542% | 4,701 |
| Memoranda: | ||
| Average total assets | $82,039,750 | 5,350 |
| Average earning assets | $78,447,500 | 5,227 |
| Average equity | $7,663,750 | 5,655 |
| Average total loans | $50,393,750 | 5,152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,828 |
| Cost of funding earning assets | 0.8201% | 3,030 |
| Net interest margin | 4.1636% | 1,857 |
| Noninterest income to average assets | 0.3404% | 5,107 |
| Noninterest expense to average assets | 2.8338% | 3,891 |
| Loan and lease loss provision to assets | 0.3656% | 1,802 |
| Net operating income to assets | 1.1219% | 1,971 |
| Return on assets (ROA) | 1.1219% | 2,188 |
| Pretax return on assets | 1.1219% | 3,225 |
| Return on Equity (ROE) | 11.7772% | 1,738 |
| Retained earnings to average equity (ytd only) | 3.8375% | 4,059 |
| Net charge-offs to loans | -0.0041% | 6,140 |
| Credit loss provision to net charge-offs | -14,500.0000% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5776% | 4,605 |
| Assets per employee ($millions) | 4.9779% | 2,203 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 3,180 |
| Loan loss allowance to noncurrent loans | 512.3529% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 6,248 |
| Noncurrent loans to loans | 0.3340% | 5,879 |
| Net loans and leases to total assets | 62.8109% | 3,270 |
| Net loans and leases to deposits | 70.0717% | 3,884 |
| Net loans and leases to core deposits | 78.6230% | 3,429 |
| Total domestic deposits to total assets | 89.6380% | 1,135 |
| Equity capital to assets | 9.6275% | 4,872 |
| Core capital (leverage) ratio | 9.2562% | 4,519 |
| Tier 1 risk-based capital ratio | 14.4166% | 4,161 |
| Total risk-based capital ratio | 15.6808% | 4,117 |
| Memoranda: | ||
| Average total assets | $79,328,330 | 5,455 |
| Average earning assets | $75,848,670 | 5,330 |
| Average equity | $7,557,000 | 5,693 |
| Average total loans | $49,094,330 | 5,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 2,069 |
| Cost of funding earning assets | 0.8528% | 3,042 |
| Net interest margin | 4.0944% | 2,111 |
| Noninterest income to average assets | 0.3486% | 5,070 |
| Noninterest expense to average assets | 2.7839% | 4,104 |
| Loan and lease loss provision to assets | 0.3789% | 1,666 |
| Net operating income to assets | 1.0913% | 2,131 |
| Return on assets (ROA) | 1.0913% | 2,318 |
| Pretax return on assets | 1.0913% | 3,357 |
| Return on Equity (ROE) | 11.5177% | 1,833 |
| Retained earnings to average equity (ytd only) | -1.8663% | 6,263 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4394% | 4,663 |
| Assets per employee ($millions) | 6.1004% | 1,219 |
| Cash dividends to net income (ytd only)* | 116.2037% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,587 |
| Loan loss allowance to noncurrent loans | 470.5882% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,350 |
| Noncurrent loans to loans | 0.3478% | 5,978 |
| Net loans and leases to total assets | 60.6179% | 3,529 |
| Net loans and leases to deposits | 67.5505% | 4,143 |
| Net loans and leases to core deposits | 75.5176% | 3,686 |
| Total domestic deposits to total assets | 89.7371% | 1,225 |
| Equity capital to assets | 9.4962% | 4,814 |
| Core capital (leverage) ratio | 9.0558% | 4,753 |
| Tier 1 risk-based capital ratio | 14.9416% | 3,796 |
| Total risk-based capital ratio | 16.2174% | 3,742 |
| Memoranda: | ||
| Average total assets | $79,169,000 | 5,505 |
| Average earning assets | $75,517,500 | 5,382 |
| Average equity | $7,501,500 | 5,735 |
| Average total loans | $48,192,500 | 5,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 2,144 |
| Cost of funding earning assets | 0.9372% | 3,819 |
| Net interest margin | 4.2435% | 1,913 |
| Noninterest income to average assets | 0.3223% | 5,239 |
| Noninterest expense to average assets | 2.9522% | 3,759 |
| Loan and lease loss provision to assets | 0.3348% | 3,017 |
| Net operating income to assets | 1.1036% | 1,815 |
| Return on assets (ROA) | 1.1190% | 1,884 |
| Pretax return on assets | 1.1190% | 2,769 |
| Return on Equity (ROE) | 11.3911% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.4368% | 941 |
| Net charge-offs to loans | 0.4609% | 3,141 |
| Credit loss provision to net charge-offs | 114.8325% | 2,843 |
| Earnings coverage of net charge-offs (x) | 4.9330% | 2,938 |
| Efficiency ratio | 67.2386% | 4,532 |
| Assets per employee ($millions) | 5.6452% | 1,485 |
| Cash dividends to net income (ytd only)* | 25.9352% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,907 |
| Loan loss allowance to noncurrent loans | 1,726.1905% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 6,828 |
| Noncurrent loans to loans | 0.0884% | 6,589 |
| Net loans and leases to total assets | 59.1993% | 4,152 |
| Net loans and leases to deposits | 65.9566% | 4,739 |
| Net loans and leases to core deposits | 74.2946% | 4,197 |
| Total domestic deposits to total assets | 89.7549% | 1,125 |
| Equity capital to assets | 9.4543% | 4,955 |
| Core capital (leverage) ratio | 9.2446% | 4,398 |
| Tier 1 risk-based capital ratio | 15.7453% | 3,194 |
| Total risk-based capital ratio | 17.0163% | 3,139 |
| Memoranda: | ||
| Average total assets | $71,674,200 | 5,702 |
| Average earning assets | $68,716,200 | 5,582 |
| Average equity | $7,040,600 | 5,854 |
| Average total loans | $45,348,800 | 5,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2494% | 2,035 |
| Cost of funding earning assets | 0.9512% | 4,036 |
| Net interest margin | 4.2982% | 1,721 |
| Noninterest income to average assets | 0.3246% | 5,270 |
| Noninterest expense to average assets | 2.9307% | 3,800 |
| Loan and lease loss provision to assets | 0.3437% | 2,821 |
| Net operating income to assets | 1.1742% | 1,732 |
| Return on assets (ROA) | 1.1799% | 1,831 |
| Pretax return on assets | 1.1799% | 2,693 |
| Return on Equity (ROE) | 11.8853% | 1,578 |
| Retained earnings to average equity (ytd only) | 7.8850% | 1,550 |
| Net charge-offs to loans | 0.4315% | 2,993 |
| Credit loss provision to net charge-offs | 124.1379% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.4827% | 2,769 |
| Efficiency ratio | 65.8798% | 4,743 |
| Assets per employee ($millions) | 5.2239% | 1,898 |
| Cash dividends to net income (ytd only)* | 33.6574% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,814 |
| Loan loss allowance to noncurrent loans | 536.0294% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,588 |
| Noncurrent loans to loans | 0.2924% | 6,263 |
| Net loans and leases to total assets | 62.6043% | 3,585 |
| Net loans and leases to deposits | 70.3638% | 4,243 |
| Net loans and leases to core deposits | 79.8065% | 3,667 |
| Total domestic deposits to total assets | 88.9723% | 1,442 |
| Equity capital to assets | 9.9516% | 4,404 |
| Core capital (leverage) ratio | 9.6320% | 3,943 |
| Tier 1 risk-based capital ratio | 16.0553% | 3,088 |
| Total risk-based capital ratio | 17.3115% | 3,048 |
| Memoranda: | ||
| Average total assets | $69,834,500 | 5,786 |
| Average earning assets | $67,003,000 | 5,682 |
| Average equity | $6,932,750 | 5,923 |
| Average total loans | $44,808,000 | 5,524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 1,951 |
| Cost of funding earning assets | 0.9800% | 4,090 |
| Net interest margin | 4.2992% | 1,659 |
| Noninterest income to average assets | 0.3172% | 5,359 |
| Noninterest expense to average assets | 2.9912% | 3,676 |
| Loan and lease loss provision to assets | 0.3492% | 2,690 |
| Net operating income to assets | 1.0999% | 1,872 |
| Return on assets (ROA) | 1.1057% | 1,942 |
| Pretax return on assets | 1.1057% | 2,830 |
| Return on Equity (ROE) | 11.1475% | 1,746 |
| Retained earnings to average equity (ytd only) | 6.5125% | 2,135 |
| Net charge-offs to loans | 0.5922% | 2,338 |
| Credit loss provision to net charge-offs | 91.6031% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.8015% | 3,047 |
| Efficiency ratio | 67.3657% | 4,633 |
| Assets per employee ($millions) | 5.4938% | 1,573 |
| Cash dividends to net income (ytd only)* | 41.5789% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 4,175 |
| Loan loss allowance to noncurrent loans | 1,157.6271% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 6,892 |
| Noncurrent loans to loans | 0.1288% | 6,658 |
| Net loans and leases to total assets | 63.1891% | 3,644 |
| Net loans and leases to deposits | 71.0212% | 4,289 |
| Net loans and leases to core deposits | 80.3608% | 3,732 |
| Total domestic deposits to total assets | 88.9721% | 1,547 |
| Equity capital to assets | 9.8517% | 4,327 |
| Core capital (leverage) ratio | 9.4669% | 4,004 |
| Tier 1 risk-based capital ratio | 15.6842% | 3,140 |
| Total risk-based capital ratio | 16.9434% | 3,105 |
| Memoranda: | ||
| Average total assets | $68,734,670 | 5,860 |
| Average earning assets | $65,919,330 | 5,757 |
| Average equity | $6,817,670 | 5,978 |
| Average total loans | $44,239,330 | 5,604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 1,887 |
| Cost of funding earning assets | 0.9990% | 4,212 |
| Net interest margin | 4.2938% | 1,579 |
| Noninterest income to average assets | 0.3027% | 5,500 |
| Noninterest expense to average assets | 3.0389% | 3,491 |
| Loan and lease loss provision to assets | 0.3561% | 2,418 |
| Net operating income to assets | 1.0149% | 2,134 |
| Return on assets (ROA) | 1.0149% | 2,184 |
| Pretax return on assets | 1.0149% | 3,079 |
| Return on Equity (ROE) | 10.1960% | 2,033 |
| Retained earnings to average equity (ytd only) | 0.7751% | 5,516 |
| Net charge-offs to loans | 1.0862% | 1,268 |
| Credit loss provision to net charge-offs | 50.8475% | 3,730 |
| Earnings coverage of net charge-offs (x) | 1.9576% | 3,331 |
| Efficiency ratio | 68.9098% | 4,493 |
| Assets per employee ($millions) | 5.2560% | 1,818 |
| Cash dividends to net income (ytd only)* | 92.3977% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,317 |
| Loan loss allowance to noncurrent loans | 1,514.2857% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 7,008 |
| Noncurrent loans to loans | 0.0975% | 6,799 |
| Net loans and leases to total assets | 62.1209% | 3,829 |
| Net loans and leases to deposits | 69.9471% | 4,346 |
| Net loans and leases to core deposits | 82.0577% | 3,447 |
| Total domestic deposits to total assets | 88.8113% | 1,888 |
| Equity capital to assets | 9.9110% | 3,886 |
| Core capital (leverage) ratio | 9.5213% | 3,774 |
| Tier 1 risk-based capital ratio | 16.2182% | 2,801 |
| Total risk-based capital ratio | 17.4720% | 2,762 |
| Memoranda: | ||
| Average total assets | $67,392,500 | 5,953 |
| Average earning assets | $64,465,000 | 5,841 |
| Average equity | $6,708,500 | 6,021 |
| Average total loans | $43,453,000 | 5,685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6253% | 1,807 |
| Cost of funding earning assets | 1.1593% | 4,794 |
| Net interest margin | 4.4660% | 1,308 |
| Noninterest income to average assets | 0.2792% | 5,783 |
| Noninterest expense to average assets | 3.1608% | 3,234 |
| Loan and lease loss provision to assets | 0.3503% | 4,027 |
| Net operating income to assets | 0.9947% | 2,057 |
| Return on assets (ROA) | 0.9947% | 2,163 |
| Pretax return on assets | 0.9947% | 2,947 |
| Return on Equity (ROE) | 9.5157% | 2,103 |
| Retained earnings to average equity (ytd only) | 9.5157% | 603 |
| Net charge-offs to loans | 0.0279% | 6,526 |
| Credit loss provision to net charge-offs | 1,927.2727% | 123 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 326 |
| Efficiency ratio | 70.1503% | 4,147 |
| Assets per employee ($millions) | 5.5381% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 64.8991% | 3,686 |
| Net loans and leases to deposits | 73.1985% | 4,331 |
| Net loans and leases to core deposits | 86.3204% | 3,278 |
| Total domestic deposits to total assets | 88.6618% | 1,849 |
| Equity capital to assets | 9.9989% | 3,742 |
| Core capital (leverage) ratio | 10.0452% | 3,037 |
| Tier 1 risk-based capital ratio | 15.7723% | 2,856 |
| Total risk-based capital ratio | 17.0282% | 2,818 |
| Memoranda: | ||
| Average total assets | $60,522,400 | 6,175 |
| Average earning assets | $57,276,600 | 6,087 |
| Average equity | $6,326,400 | 6,263 |
| Average total loans | $39,391,800 | 5,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 1,961 |
| Cost of funding earning assets | 1.2086% | 4,816 |
| Net interest margin | 4.4179% | 1,474 |
| Noninterest income to average assets | 0.2597% | 6,044 |
| Noninterest expense to average assets | 3.0601% | 3,535 |
| Loan and lease loss provision to assets | 0.3817% | 3,599 |
| Net operating income to assets | 0.9869% | 2,288 |
| Return on assets (ROA) | 0.9869% | 2,399 |
| Pretax return on assets | 0.9869% | 3,230 |
| Return on Equity (ROE) | 9.3273% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.3273% | 956 |
| Net charge-offs to loans | 0.0244% | 6,332 |
| Credit loss provision to net charge-offs | 2,414.2857% | 129 |
| Earnings coverage of net charge-offs (x) | 86.6002% | 355 |
| Efficiency ratio | 69.0974% | 4,249 |
| Assets per employee ($millions) | 5.0333% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.0596% | 4,117 |
| Net loans and leases to deposits | 73.2983% | 4,639 |
| Net loans and leases to core deposits | 84.8602% | 3,828 |
| Total domestic deposits to total assets | 87.3957% | 2,320 |
| Equity capital to assets | 10.9189% | 3,035 |
| Core capital (leverage) ratio | 10.4661% | 2,719 |
| Tier 1 risk-based capital ratio | 17.0960% | 2,304 |
| Total risk-based capital ratio | 18.3785% | 2,260 |
| Memoranda: | ||
| Average total assets | $59,038,750 | 6,303 |
| Average earning assets | $55,711,000 | 6,208 |
| Average equity | $6,246,750 | 6,379 |
| Average total loans | $38,283,750 | 6,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4616% | 2,694 |
| Cost of funding earning assets | 1.2354% | 4,929 |
| Net interest margin | 4.2263% | 2,065 |
| Noninterest income to average assets | 0.2219% | 6,327 |
| Noninterest expense to average assets | 2.9257% | 3,979 |
| Loan and lease loss provision to assets | 0.3926% | 3,362 |
| Net operating income to assets | 0.8978% | 2,561 |
| Return on assets (ROA) | 0.8978% | 2,680 |
| Pretax return on assets | 0.8978% | 3,501 |
| Return on Equity (ROE) | 8.5798% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.5798% | 1,237 |
| Net charge-offs to loans | 0.0738% | 5,406 |
| Credit loss provision to net charge-offs | 821.4286% | 453 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 986 |
| Efficiency ratio | 69.3927% | 4,297 |
| Assets per employee ($millions) | 5.1038% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,116 |
| Loan loss allowance to noncurrent loans | 347.3684% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 6,715 |
| Noncurrent loans to loans | 0.4206% | 6,403 |
| Net loans and leases to total assets | 65.4149% | 3,958 |
| Net loans and leases to deposits | 74.3013% | 4,632 |
| Net loans and leases to core deposits | 86.0112% | 3,834 |
| Total domestic deposits to total assets | 88.0400% | 1,980 |
| Equity capital to assets | 10.2456% | 3,712 |
| Core capital (leverage) ratio | 9.9367% | 3,233 |
| Tier 1 risk-based capital ratio | 16.0130% | 2,664 |
| Total risk-based capital ratio | 17.2668% | 2,620 |
| Memoranda: | ||
| Average total assets | $58,585,000 | 6,365 |
| Average earning assets | $55,368,000 | 6,265 |
| Average equity | $6,130,670 | 6,427 |
| Average total loans | $37,929,330 | 6,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 3,264 |
| Cost of funding earning assets | 1.2852% | 4,904 |
| Net interest margin | 4.0711% | 2,562 |
| Noninterest income to average assets | 0.2305% | 6,306 |
| Noninterest expense to average assets | 2.8295% | 4,372 |
| Loan and lease loss provision to assets | 0.4262% | 2,829 |
| Net operating income to assets | 0.8034% | 2,946 |
| Return on assets (ROA) | 0.8034% | 3,048 |
| Pretax return on assets | 0.8034% | 3,849 |
| Return on Equity (ROE) | 7.5926% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.5926% | 1,880 |
| Net charge-offs to loans | 0.0219% | 5,271 |
| Credit loss provision to net charge-offs | 3,050.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 367 |
| Efficiency ratio | 69.7074% | 4,367 |
| Assets per employee ($millions) | 5.4400% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 4,067 |
| Loan loss allowance to noncurrent loans | 315.4286% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 6,750 |
| Noncurrent loans to loans | 0.4661% | 6,365 |
| Net loans and leases to total assets | 61.8148% | 4,797 |
| Net loans and leases to deposits | 70.3754% | 5,288 |
| Net loans and leases to core deposits | 79.9369% | 4,770 |
| Total domestic deposits to total assets | 87.8359% | 2,150 |
| Equity capital to assets | 10.2975% | 3,475 |
| Core capital (leverage) ratio | 10.3680% | 2,746 |
| Tier 1 risk-based capital ratio | 16.5743% | 2,420 |
| Total risk-based capital ratio | 17.8259% | 2,369 |
| Memoranda: | ||
| Average total assets | $57,254,500 | 6,499 |
| Average earning assets | $53,843,500 | 6,398 |
| Average equity | $6,058,500 | 6,498 |
| Average total loans | $36,565,000 | 6,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 2,098 |
| Cost of funding earning assets | 1.7736% | 4,135 |
| Net interest margin | 4.1636% | 2,200 |
| Noninterest income to average assets | 0.2648% | 6,217 |
| Noninterest expense to average assets | 3.2876% | 3,052 |
| Loan and lease loss provision to assets | 0.4847% | 3,944 |
| Net operating income to assets | 0.4331% | 3,994 |
| Return on assets (ROA) | 0.4376% | 4,098 |
| Pretax return on assets | 0.4376% | 4,384 |
| Return on Equity (ROE) | 3.3803% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.3803% | 2,803 |
| Net charge-offs to loans | 0.0171% | 6,982 |
| Credit loss provision to net charge-offs | 4,320.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 81.8000% | 334 |
| Efficiency ratio | 78.1750% | 3,163 |
| Assets per employee ($millions) | 4.9699% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,311 |
| Loan loss allowance to noncurrent loans | 278.5311% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,630 |
| Noncurrent loans to loans | 0.4974% | 6,259 |
| Net loans and leases to total assets | 64.1954% | 4,563 |
| Net loans and leases to deposits | 73.8220% | 5,069 |
| Net loans and leases to core deposits | 106.4775% | 3,278 |
| Total domestic deposits to total assets | 86.9597% | 2,536 |
| Equity capital to assets | 10.8928% | 2,782 |
| Core capital (leverage) ratio | 10.7939% | 2,348 |
| Tier 1 risk-based capital ratio | 16.9943% | 2,149 |
| Total risk-based capital ratio | 18.2472% | 2,117 |
| Memoranda: | ||
| Average total assets | $44,561,800 | 6,928 |
| Average earning assets | $42,174,600 | 6,856 |
| Average equity | $5,768,800 | 6,685 |
| Average total loans | $29,158,800 | 6,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 1,837 |
| Cost of funding earning assets | 1.8469% | 4,171 |
| Net interest margin | 4.2038% | 2,049 |
| Noninterest income to average assets | 0.2633% | 6,348 |
| Noninterest expense to average assets | 3.3432% | 2,753 |
| Loan and lease loss provision to assets | 0.5138% | 3,330 |
| Net operating income to assets | 0.4060% | 4,372 |
| Return on assets (ROA) | 0.4123% | 4,447 |
| Pretax return on assets | 0.4123% | 4,766 |
| Return on Equity (ROE) | 3.0291% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.0291% | 3,636 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4226% | 3,097 |
| Assets per employee ($millions) | 4.5578% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.0799% | 5,410 |
| Net loans and leases to deposits | 71.2892% | 5,762 |
| Net loans and leases to core deposits | 105.1037% | 3,805 |
| Total domestic deposits to total assets | 85.6790% | 2,872 |
| Equity capital to assets | 11.7720% | 2,384 |
| Core capital (leverage) ratio | 11.9786% | 1,808 |
| Tier 1 risk-based capital ratio | 18.8732% | 1,774 |
| Total risk-based capital ratio | 20.1281% | 1,738 |
| Memoranda: | ||
| Average total assets | $42,035,000 | 7,077 |
| Average earning assets | $39,994,250 | 7,001 |
| Average equity | $5,722,250 | 6,769 |
| Average total loans | $27,551,500 | 6,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1787% | 1,530 |
| Cost of funding earning assets | 1.9020% | 4,255 |
| Net interest margin | 4.2768% | 1,718 |
| Noninterest income to average assets | 0.2542% | 6,458 |
| Noninterest expense to average assets | 3.4728% | 2,421 |
| Loan and lease loss provision to assets | 0.5491% | 2,825 |
| Net operating income to assets | 0.3254% | 4,781 |
| Return on assets (ROA) | 0.3254% | 4,904 |
| Pretax return on assets | 0.3254% | 5,145 |
| Return on Equity (ROE) | 2.2606% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.2606% | 4,079 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8830% | 3,055 |
| Assets per employee ($millions) | 3.9962% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 3,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.4206% | 4,892 |
| Net loans and leases to deposits | 76.6200% | 5,078 |
| Net loans and leases to core deposits | 108.7105% | 3,528 |
| Total domestic deposits to total assets | 84.0780% | 3,721 |
| Equity capital to assets | 12.8782% | 1,751 |
| Core capital (leverage) ratio | 13.4253% | 1,294 |
| Tier 1 risk-based capital ratio | 20.2083% | 1,535 |
| Total risk-based capital ratio | 21.4937% | 1,487 |
| Memoranda: | ||
| Average total assets | $39,334,670 | 7,238 |
| Average earning assets | $37,645,330 | 7,151 |
| Average equity | $5,662,330 | 6,847 |
| Average total loans | $26,379,670 | 6,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3585% | 1,159 |
| Cost of funding earning assets | 1.9357% | 4,462 |
| Net interest margin | 4.4228% | 1,293 |
| Noninterest income to average assets | 0.2377% | 6,555 |
| Noninterest expense to average assets | 3.5654% | 1,944 |
| Loan and lease loss provision to assets | 0.5834% | 2,158 |
| Net operating income to assets | 0.3349% | 5,138 |
| Return on assets (ROA) | 0.3349% | 5,322 |
| Pretax return on assets | 0.3349% | 5,579 |
| Return on Equity (ROE) | 2.1897% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.1897% | 4,656 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5181% | 2,907 |
| Assets per employee ($millions) | 3.8160% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.3690% | 4,276 |
| Net loans and leases to deposits | 82.6783% | 4,178 |
| Net loans and leases to core deposits | 117.5707% | 2,635 |
| Total domestic deposits to total assets | 81.4832% | 4,752 |
| Equity capital to assets | 14.9240% | 1,122 |
| Core capital (leverage) ratio | 15.0417% | 965 |
| Tier 1 risk-based capital ratio | 22.1803% | 1,281 |
| Total risk-based capital ratio | 23.4340% | 1,248 |
| Memoranda: | ||
| Average total assets | $37,023,000 | 7,379 |
| Average earning assets | $35,543,000 | 7,280 |
| Average equity | $5,663,000 | 6,895 |
| Average total loans | $25,215,500 | 7,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5658% | 2,641 |
| Cost of funding earning assets | 2.3509% | 4,926 |
| Net interest margin | 4.2149% | 2,259 |
| Noninterest income to average assets | 0.2878% | 6,406 |
| Noninterest expense to average assets | 4.0218% | 1,385 |
| Loan and lease loss provision to assets | 0.6759% | 2,152 |
| Net operating income to assets | -0.3848% | 6,804 |
| Return on assets (ROA) | -0.3848% | 6,687 |
| Pretax return on assets | -0.3848% | 6,534 |
| Return on Equity (ROE) | -2.0610% | 6,508 |
| Retained earnings to average equity (ytd only) | -2.0610% | 5,885 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2506% | 1,315 |
| Assets per employee ($millions) | 3.5886% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 4,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.1710% | 4,604 |
| Net loans and leases to deposits | 83.5992% | 4,482 |
| Net loans and leases to core deposits | 116.5619% | 3,059 |
| Total domestic deposits to total assets | 80.3489% | 4,889 |
| Equity capital to assets | 15.6914% | 997 |
| Core capital (leverage) ratio | 16.0014% | 823 |
| Tier 1 risk-based capital ratio | 23.7846% | 1,111 |
| Total risk-based capital ratio | 24.9936% | 1,089 |
| Memoranda: | ||
| Average total assets | $29,886,800 | 7,653 |
| Average earning assets | $28,541,800 | 7,588 |
| Average equity | $5,579,800 | 6,956 |
| Average total loans | $16,683,600 | 7,539 |